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    Mr. Money Mustache

  • Should We Employ Our Own Kids? (and How Much to Pay Them)
    Way back in 2015, I had a nine year old boy. Even back then, I could see him showing some early flashes of adulthood and maturity, and it got me wondering about his future as it relates to money and freedom. So I wrote a post called What I’m Teaching My... Read more »
  • VideoOur Shared Ongoing Battle To Not Buy A Tesla
    Like you, I am pretty much resigned to the fact that I’m going to have to buy a Tesla at some point. I can tell because I have read every last scrap of Tesla news and inadvertently memorized every last technical detail about the company and their cars and energy... Read more »
  • VideoThe Real Benefit of Being Rich
    There have been a lot of big bills coming across my kitchen table recently. Property taxes, car registrations, income taxes, things for the school orchestra in which little MM plays the standup bass. Plus the usual credit card bills for all my spending on groceries and not-all-that-rare luxury indulgences. There’s... Read more »
  • How I Sold This Website for $9 Million
    Dearest Readers, I’ve been waiting to tell you this with considerable excitement for a whole year, but the sales contract prevented me from doing so until this moment. And as of April 1st, 2019, I’m officially free to reveal that: Mr. Money Mustache has been sold! Yep. I’m not sure... Read more »
  • VideoHow to Create Reality
    So a funny thing happened on Twitter this week, which almost changed the world a little bit. Someone sent me a beautiful 3-D mockup of a fictional, car-free city of 50,000 people, set in the scenic nook of land* between Boulder, Colorado and Longmont, where I live. It came complete... Read more »
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    financial independence / early retirement

  • Weekly Self-Promotion Thread - August 21, 2019
    Self-promotion (ie posting about projects/businesses that you operate and can profit from) is typically a practice that is discouraged in /r/financialindependence, and these posts are removed through moderation. This is a thread where those rules do not apply. However, please do not post referral links in this thread. Use this... Read more »
  • Daily FI discussion thread - August 21, 2019
    Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Have a look at the FAQ... Read more »
  • Does anybody feel guilty about having FIRE wealth while not donating much to charity?
    I’ve been thinking a lot about this lately. How absurd would it sound to a starving person in a poor country if I said I have 1 million dollars saved up strictly so I don’t have to work again. How could I possibly justify that money is being used better... Read more »
  • About retirement in the news
    Just read this article on BBC News today, about the myths of retirement. I just wanted to pass it along. Interesting read. Why we lie about being retired https://www.bbc.co.uk/news/business-48882195 Some interesting points I found: - A lot of people don’t plan for the psychological and relationship change. - Most retirees... Read more »
  • For those who FIREd using rental properties & index funds, how have you balanced the two types of investments?
    I have about 10-15 years before my RE date and am in the accumulation phase. I'm fortunate to work in real estate full time and my industry knowledge puts me in a position where I can get very high returns on rental properties. I also understand the power of compound... Read more »
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    Early Retirement Extreme

  • Physiological advantages
    I have noticed that there are some things which I [can] do without really being aware that it is not normal not to have these advantages—kinda like presuming that everybody knows the multiplication table: Quick after me 5*9, 8*7, 6*9, 5*8, 9*7. When in fact this is not normal. For... Read more »
  • Perspectives on human performance
    One of my informal theories is that a great deal of human performance metrics span about an order of magnitude. A very strong person is about 10 times stronger than a very weak person. A very fast person is about 10 times faster than a very slow person. In particular... Read more »
  • Measuring prosperity by less activity, not more
    The lack of activity is a a core measure for intelligent design. Unfortunately, very few, myself included, are behaving very intelligently these days. Which would be the more intelligent way to feed yourself? To go outside and pluck an apple or shoot something wild and eat it, or to plant... Read more »
  • Vinegar and soap
    I have started using vinegar and baking soda for basic cleaning. Generally I spread baking soda of the grime and then soak a rag in vinegar. When the acid of the vinegar comes in contact with the baking soda a chemical reaction ensues which works very well for cleaning (for... Read more »
  • Rice, lentils, and bacon recipe
    This is an easy to cook dish which tastes great because it contains bacon (well, duh!). Obviously, it should not be repeated too often because it contains bacon (well, duh!). You need: Rice (strictly speaking, you don’t need this) Green lentils (I prefer green lentils because they hold their shape... Read more »
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    Go Curry Cracker!

  • Why Taipei?!
    “Jeremy…. you guys can literally be anywhere. I’ve been to Taipei several times for work, and, well… why did you choose to live, uh…  there?” I like this question. Why Taipei?! I’ve been coming to Taipei for work and personal reasons for about 20 years now. I periodically monitored the... Read more »
  • Summer Plans
    Advertiser Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CardRatings.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Last Thursday was... Read more »
  • Accidental Market Timing
    In rough terms, market timing is the practice of trying to make money by predicting future market performance. It is almost universally agreed to be a poor investment practice… “time in market is more important than timing the market.” Predicting future market performance is… difficult. Even when your hypothesis is... Read more »
  • Rent vs Imputed Rent
    A lot of people dream about the day they finally finish paying off the mortgage. Free and clear, baby! What might you be willing to pay to live in this house you already own? Economists refer to this concept of a mortgage-free living space having market value as “imputed rent.”... Read more »
  • Multi-Generational Tax Minimization
    We will never have the experience of receiving an inheritance, but GCC Jr will. In my role as fiscal steward, I would like to ensure that he, along with our other beneficiaries, receive the largest amount possible. (After we are done spending as much as we want, naturally.) But Jr... Read more »
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    1500 Days to Freedom

  • Interview With The Uneducated Professional
    Housekeeping note: The winners from the Quit Like A Millionaire book giveaway are Joe, Kristen, Deb, Pribi, and Melody. I’ve sent emails to you all. If you didn’t get it, send me one here. Think different. Apple made the phrase famous. To me, it means to be skeptical; to not... Read more »
  • August Fitness Challenge Update #2: More Steps Or More Lettuce?
    After going nuts over the summer, I’m hitting the diet and exercise hardcore. I’m two weeks in and this is update #2. To Step Or Not To Step… Last year, I walked 6,685,801 steps or about 18,318 per day. As pf 8/14, I’ve walked 4,331,839 or about 19,252 steps per day.... Read more »
  • 10 Questions With Cooking Up FIRE
    Aloha! Today’s 10 Questions comes all the way from beautiful Hawaii. Cathleen blogs over at Cooking Up FIRE and writes about food, Hawaii and finance. Reading Cooking Up FIRE breaks my heart a little bit. I’ve been to Hawaii a couple of times and loved it. I want to go... Read more »
  • Quit Like A Millionaire: Book Review And Giveaway
    I’m giving away 3 copies of Quit Like A Millionaire. Read on to see how you can get yours! A couple of weeks ago, someone trolled me on Twitter. He had seen a video of me enjoying life in retirement including spending time with my daughters. He let the hate... Read more »
  • August Fitness Challenge Update #1: Down 6 Pounds
    After going nuts over the summer, I’m hitting the diet and exercise hardcore. I’m one week in and this is update #1. I let myself go a little bit over the summer. Even on a 400-mile bicycle ride, it’s hard to stay strong when pie and cake are stalking you... Read more »
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    Mad Fientist

  • mp3Valuable Lessons from My Third Year of Freedom
    It's been three years since I left my full-time job and this past year was the best one yet! Here's a short podcast episode with everything I learned. Read more → The post Valuable Lessons from My Third Year of Freedom appeared first on Mad Fientist.... Read more »
  • Mortgage Payoff Experiment – Pay Off Mortgage Early or Invest?
    A real-life experiment that compares paying off a mortgage early versus investing the same amount of money in the markets! Read more → The post Mortgage Payoff Experiment – Pay Off Mortgage Early or Invest? appeared first on Mad Fientist.... Read more »
  • mp3Ramit Sethi – I Will Teach You to be Rich
    For the first time, Ramit Sethi from I Will Teach You to be Rich shares his thoughts on FIRE (Financial Independence, Retire Early)! Read more → The post Ramit Sethi – I Will Teach You to be Rich appeared first on Mad Fientist.... Read more »
  • VideoOnline Business Experiment
    In this new Mad Fientist experiment, I'm starting an online business from scratch and will be documenting the entire process! Read more → The post Online Business Experiment appeared first on Mad Fientist.... Read more »
  • mp3Cal Newport – Deep Work, Digital Minimalism, and the Key to a Happy Retirement
    Author Cal Newport joins me on the podcast to discuss Deep Work, Digital Minimilism, and the important things you need to consider before retiring early! Read more → The post Cal Newport – Deep Work, Digital Minimalism, and the Key to a Happy Retirement appeared first on Mad Fientist.... Read more »
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    Millennial Revolution

  • Is there a Recession Coming?
    The last few months have been spent in book promotion mode and as a result, we’ve been blissfully unaware of what’s been going on in the news, especially in the stock market. But just because I wasn’t paying attention doesn’t mean nothing was happening, because apparently… Global markets took a... Read more »
  • Would You Sell Everything to Travel the World?
    “Ultimately, we would not have quit our jobs, sold all of our stuff and became perpetual world travellers if not for the inspiration of Kristy and Bryce. I highly encourage this book to everyone that wants to regain financial control over the life. It has been life changing for us... Read more »
  • Reader Case: At the Starting Line to FIRE
    Hey everyone! In our continuing struggle to get back to a somewhat normal posting schedule, today we decided to do a reader case! It’s been a while, hasn’t it? A recurring theme we’re getting from customer reviews of our book is that they “wish they knew all this 20 years... Read more »
  • The Life Changing Magic of FIRE
    Unless you’ve been living under a rock, you’ve probably heard of Marie Kondo’s book “The Life Changing Magic of Tidying Up”. I have to admit, when I first heard about this best-selling book, my reaction was skepticism, followed by a lot of eyerolling. I mean, how could something as simple... Read more »
  • Should I Quit My Job To Follow My Passion Before I Hit Financial Independence?
    Phew, what a crazy couple of weeks it’s been. I kinda knew that launching a book would be a lot of work, but I was NOT expecting this! That being said, it’s the most wonderful kind of craziness I’ve ever been through, and we’ll write about what that experience has... Read more »
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    Can I Retire Yet?

  • Playing Offense in Retirement
    In a comment responding to my recent post about making better decisions in the face of uncertainty, a reader wrote: “Life is inherently risky. To try and compensate for every contingency is irrational. We can “what if” ourselves right into a straight jacket! You retired early … you won!” As... Read more »
  • Paying It Forward — An Early Retiree Case Study
    In our April Best of the Web post, I shared an interview with an early retiree who was a long time reader of Can I Retire Yet?. It was the most clicked on selection that month. This showed me the desire of those figuring out their own transition to retirement... Read more »
  • How Much Umbrella Insurance Do You Need?
    What does umbrella insurance cover, exactly? Do you really need it? And, if so, how much? I recently reviewed our umbrella insurance policy. I’ve carried it for years, but without really digging into the details of the coverage. It was recommended to me long ago, and appeared to be relatively... Read more »
  • July 2019 Best of the Web
    Each month we share the best resources we’ve found to help you save more, invest better, and retire sooner. Popular topics are building wealth, DIY investing, creating retirement income, managing risk, and limiting your tax burden to enable you to use your money to build the life you want. Early... Read more »
  • Going Back to Work
    Can I Retire Yet? It’s a profound question that many of us struggle with. After saving and planning for years or even decades, there is no easy answer. Many people stay in jobs and careers they are not passionate about and save more money than necessary, trapped by feelings of safety... Read more »
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    Root of Good

  • July 2019 Financial Update – Exploring Cambodia and Thailand Edition
    The Root of Good family just got back to the US after an eight week adventure in Southeast Asia. We spent the month of July split between Cambodia and Thailand.  Now that we're rested up and mostly recovered from the jet lag, I wanted to take a break from life... Read more »
  • June 2019 Financial Update – Exploring Vietnam Edition
    June was an incredibly busy month for the Root of Good family. We spent the first half of the month at home in Raleigh wrapping up the school year for the kids. Then we relaxed for a few days before packing our bags for our big eight week summer vacation... Read more »
  • Quit Like a Millionaire
    Today we have a guest post from Kristy from the blog Millennial Revolution. “Anyone can become FI with a 6-figure salary!” “Financially independent?! If you’re not American and privileged, forget it!” “Try to become FI if you are living on $30K a year while raising a family! HA!” These are... Read more »
  • May 2019 Financial Update – Lazy May Daze Edition
    May was another successful month of early retirement. We took it easy and enjoyed a relatively slow month of leisure with family and friends. I spent a few days being a "real" blogger and influencer by attending Camp FI in Virginia where I gave a presentation titled "FIRE for Fun!". ... Read more »
  • April 2019 Financial Update – Cuba Cruise Edition
    Time flies when you're having fun! We're almost half way through May and I'm just now updating our April financial snapshot. We have been vacationing, volunteering, and enjoying the wonderful springtime weather. What can I say? I'm retired and don't always have time to focus on this blog!  We had... Read more »
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    Frugalwoods

  • Reader Case Study: Grandparents In Michigan Contemplate Moving
    Debbie and her husband Dan have been married for 32 years and are planning for retirement. At this point, they’re trying to decide if they should sell their current home. The pros and cons look equally matched, so let’s help them out with this choice today! Case Studies are financial... Read more »
  • How I Try To Balance Minimalism With Frugality
    I have a complicated relationship with stuff. My grandfather grew up during the Great Depression and instilled in his children–my mom included–the ethos of never throwing anything away. Of reusing, of finding good deals, and of making do with what you have. These were valuable lessons for me and they... Read more »
  • Reader Case Study: Artfully Building a Solid Financial Future in Southern Maine
    Lynn is an art teacher in southern Maine, where she lives with her husband Lucas, a carpenter, and their ten-year-old son. Lynn loves teaching art but loves creating art even more and would like to have more flexibility and balance in her life. Case Studies are financial (and life) dilemmas that... Read more »
  • A Vacation And Other June 2019 Expenditures
    June 2019 A time of idyl and pleasures, summers in Vermont are hedonistic romps through finally-thawed ground. For two months, maybe three, we denizens of the Northeast are made ecstatic by green grass and ripening gardens. Then we get hot, retreat to the porch, and complain that it’s only 10am... Read more »
  • My Frugal Cell Phone Service Trick: How I Pay $10.65 A Month
    I used to pay $81 a month for my cell phone service. Now, I pay $10.65 a month. It’s rare that there’s one weird trick to saving money. Usually, saving entails hard work and sacrifice. Today, I bring you an exception. Today, I bring you a way to save money... Read more »
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    jlcollinsnh

  • A Guided Meditation for When the Stock Market Is Dropping
    The market is plunging. You’re starting to panic. You want to hit the “sell” button! DON’T! Tune into this relaxing meditation, and let the soothing voice of JL Collins help you embrace this wonderful market cycle. ************************ A few weeks ago I was at Ettington Park, Stratford-upon-Avon enjoying Chautauqua.  ... Read more »
  • 7 Days in Heaven: or Why Slowing Down Will Get You There Sooner
    Ettington Park, Stratford upon Avon, UK: Our venue for Chautauqua XII, 2019 Photo by  JT Olmstead Last week we wrapped up Chautauqua XII, returning once again the the United Kingdom and one of our very favorite venues. The chapel on this property was under construction in the 12th century, fitting... Read more »
  • Quit Like a Millionaire
    My pals, Kristy and Bryce, just released their new book, Quit Like a Millionaire. Want to know what I think? Well, they asked me to write the Foreword and here it is: *************************************************************** Foreword                              by JL... Read more »
  • Stocks — Part XXXV: Investing for Seven Generations
    As I have mentioned many times, we don’t discuss secret stuff at Chautauqua. There is no “special sauce” revealed for investing or life not available here on the blog or in my book. But we do kick around ideas and I sometimes explore concepts rattling around in my brain with... Read more »
  • 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 »
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    Mr. Free At 33

  • Expenses For July 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 »
  • 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 »
  • Interviewed By Business Insider On How Finances Changed After Retiring Early
    I have some exciting news to share with everyone! I’m honored and humbled to have been contacted by Business Insider very recently to take part in a piece on early retirement. They consulted eight prominent bloggers from the “FIREsphere” (I just made that term up) and asked them about how... Read more »
  • What Seth Klarman Taught Me About Life
    Seth Klarman is a legendary value investor. He’s the billionaire co-founder and portfolio manager of Baupost Group, a private investment partnership based in Boston. Perhaps what he’s best known for, though, is writing Margin of Safety. It’s a legendary book on value investing, taking many of its cues and themes... Read more »



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    The Wealthy Accountant

  • The Fleecing of the FIRE Community
    The willingness of so many to embrace this concept without serious thought made me nervous. The only relevance we got from the developer was, "They are doing it in Europe with great success." And since we are in Florida, I have some land I'd like to sell you, too. One... Read more »
  • How to Analyse a Stock
    Back in the 1980s when Peter Lynch was the name you listened to when it came to expert stock advice a unique situation existed. Savings & Loans were going public at a torrid pace. Once it was discovered how much money could be made, every S&L couldn't covert to a... Read more »
  • Commingling is Killing Your Wealth
    Commingling of funds (mixing business and personal funds) is one of the riskiest things you can do, causing serious legal and tax problems.  The issue is less acute from a legal standpoint if you are a non-LLC sole proprietor. There are still plenty of tax issues, however. LLCs and corporations... Read more »
  • Unique High Interest Savings Accounts Few Know About
    Interest rates have barely lifted from ground level and are already headed lower. In the U.S. short-term interest rates are at least positive. My EU and Japanese readers are not so lucky, facing negative rates. Low interest rates are bad enough, but watching your bank balance decline is a downright... Read more »
  • A Critical Review of the FIRE Community
    Pointing out the emperor has no clothes is a sure way to lose your card-carrying status within a community. The alternative is to deny the truth and be part of the problem. If I'm out, I'm out. At least I was honest. This brings us to the scariest part of... Read more »
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    Our Next Life

  • Don’t Let Life Get Too Easy in Early Retirement
    In early retirement, we have the opportunity to make life easy, maybe too easy. And while that may sound great (no commute! no travel at the most crowded times!), a life that's too easy is actually bad for us. Let's dig into why that is and what we should all... Read more »
  • Decide For Yourself What Spending You Value, and Then Spend Without Guilt
    If you're on the journey to a work optional life, or you're already retired, you have probably spent some time pondering what you truly value most, and what doesn't add value to your life. But do you spend accordingly, and -- importantly -- without guilt? If not, this post is... Read more »
  • Separating Work and Money, and the Gift of Your True Motivations
    Since I've been early retired, I've worked much more than I ever expected, but I also earned little to nothing from that work, by design. And separating work from the money -- and hustling for reasons other than financial gain -- have taught me several huge lessons. Let's dig into... Read more »
  • The Transition to Retirement: Knowing Yourself and Getting to Know Yourself (by Mark!)
    Today's post is by Mark, his second ever here on the blog, and it's such a good one. He's sharing some insight into his transition into early retirement, which has been different from mine in several ways, and the big lessons he's taken from that, namely the importance of knowing... Read more »
  • The 4% Rule Is Not Your Friend
    Today I'm tackling a popular and contentious principle in the FIRE community: the 4% rule. I've written about a major flaw of the "rule" before, namely that it relies on a false myth of level spending year over year in retirement, but today I'm taking on whether we can actually... Read more »
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    Physician on FIRE

  • Retired from Medicine at 43: Why, How, and What Now?
    On Monday, August 12th, I woke up in a call room, gathered up my belongings, and stepped through the back door of the hospital out into the world for what may very well be the last time. I wasn’t fired. I simply FIREd. As in, I realized several years ago... Read more »
  • The Sunday Best (8/18/2019)
    The Sunday Best is a collection of articles I’ve curated from the furthest reaches of the internet for your reading pleasure. Every week, I scan hundreds of headlines, read dozens of posts, and bring you the best of the best to save you time and mental energy. Financial Independence (FI)... Read more »
  • Why are Doctors Burning Out? Three Ways Financial Independence Can Save Us
    The timing of this post couldn’t have been better. I decided to take a break from practicing medicine, and likely a permanent one, with my last shift ending just a few short days ago. Am I burned out? Maybe a little. Could I continue working in the same capacity? Absolutely.... Read more »
  • Maximize your Practice’s Profits: Payer Rate Negotiation vs. Concierge Practice vs. Direct Care
    Employed physicians may not have a lot of autonomy, but they don’t have to think much about the billing side of medicine, either. It’s a jumbled mess of ICD-10 codes, relative value units, and if you work in anesthesia like I once did, ASA units and CPT codes. Every payer... Read more »
  • We Bought a $90,000 House. And Yes, We’re Moving In.
    Refresh. Refresh. Refresh. We had been watching the real estate market for months, looking for the right place for a home base as we set ourselves up to travel for months at a time over the next several years. A few places were snatched up before we could even see... Read more »
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    Get Rich Slowly

  • How couples can create a shared plan for the future
    J.D.'s Intro Last December, I took a trip to Europe with my cousin Duane. Before I left, I received email from a GRS reader named Matthias. “If you come through Switzerland, let me know,” he said. The stars aligned so that Matt was able to join us for several hours... Read more »
  • VideoWhich financial advice should you trust?
    Commenting on a recent article, Carmine Red asked an excellent question: How do you evaluate the financial advice you get from other sources? Specifically, how do you decide if some piece of advice is for you, or if you should discard some adjacent advice. Is there an amount of pick-and-choose?... Read more »
  • The best investing apps for 2019
    J.D.'s note: This article marks the GRS debut for my business partner, Tom Drake. Tom's primary role is managing the technical and business sides of things, but as a long-time Canadian money blogger, he'll contribute the occasional article here at GRS. It has never been easier to invest. In only... Read more »
  • More money, less happiness: When money makes you miserable
    Money, the conventional wisdom says, doesn't buy happiness. Modern psychology seems to back this up, with studies suggesting that beyond an income of $75,000, money doesn't make you any happier. This conclusion is simultaneously obvious and counter-intuitive. As an abstract principle, most us acknowledge that money doesn't buy happiness. But,... Read more »
  • The Portland Timbers and me: A personal case study in opportunity costs and conscious spending
    Saturday night, Kim and I joined 25,216 other soccer fans to watch the Portland Timbers defeat the Vancouver Whitecaps 3-1 during a crazy rare August rainstorm. (Portland gets a lot of rain…but not in early August.) The match was a lot of fun, with three terrific goals. Here. I'll share... Read more »
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    Fiery Millennials

  • The Best Places to Source Used Stuff
    Now that I Have A Place Of My Very Own (yes that was absolutely necessary), I have discovered I’m missing some household essentials. The stuff I didn’t have ran the gamut from kitchen utensils to furniture to cleaning supplies. Is it possible to have a place of your own without... Read more »
  • Monthly Status Report: July 2019
    Disclaimer: some links may be affiliate links. They help offset the cost of keeping this blog running! Why do I do a monthly status report? I find it best to do a monthly status report for a few reasons. It helps me evaluate how I did the previous month. Did I hit a target reduction in spending or did... Read more »
  • New Place, New Me.…… Nah
    I recently moved into an apartment of my own. The last time this happened was 4.5 years ago! I’ve had roommates on and off through the years. My first two years of college I had a roommate. I had many roommates when I was in the Air Force (59 other... Read more »
  • Monthly Status Report: May & June 2019
    Disclaimer: some links may be affiliate links. They help offset the cost of keeping this blog running! Why do I do a monthly status report? I find it best to do a monthly status report for a few reasons. It helps me evaluate how I did the previous month. Did I hit a target reduction in spending or did... Read more »
  • The Definitive Guide to Making Money Online: Gold City Ventures Review
    Flashback to 2015. I had just turned 25 and spent the week in Ecuador soaking up knowledge from Financial Independence experts. I was riding high on all the things I wanted to start doing and implementing. I wrote a post about my experience and published it to my tiny little... Read more »
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    The Money Mustache Community

  • Re: Any Mustachians living in Norway?
    Ja, det er forsåvidt riktig basert på tommelfingerregelsen om 25x årlige utgifter. Men det er veldig lite penger... om det er realistisk å leve på så lite pr år i årevis får du nesten finne ut av selv. I Norge må man også ta hensyn til formueskatt, om ...... Read more »
  • Re: Woman ends up $13k in debt trying to become instagram famouns
    People are crazy about fame and they go crazy for real when they lose it. As someone said: "God, keep us away from the poor that had become rich". That's the case of people hunting for fame. They want it so much but when they get it - they don't... Read more »
  • Re: 2020 FIRE Cohort
    Quote from: Linea_Norway on Today at 03:01:00 AMYesterday we decided to quit a month earlier, but with the final day still i January, maybe the first or the second. But I will probably take free from before Christmas....... Read more »
  • Re: Tell Me Your Stupid Jokes
    Quote from: A Fella from Stella on July 29, 2019, 12:57:52 PM2 Jews walk into a barand they buy the place.MOD EDIT: One of the forum rules is "use good taste." Jokes that can be perceived as anti-Semitic...... Read more »
  • Re: Any Mustachians living in Norway?
    Hei, ny i forumet og til FIRE. Etter det jeg har forstått så kan en regne ut  FI datoen slik:Netto Månedslønn 35000 hvor jeg bruker 9000 og sparer 26000. forbruk 9000 x 12( ett år) = 108 000 i året ganget med 25 som blir 2,7 mill. Som en må... Read more »
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    Early Retirement Extreme Forums (est. 2010)

  • Transportation Questions • Re: My Mechanics Place
    I see this number around in the news. https://www.forbes.com/sites/davidkiley ... 24cb2a1e84I think it means one car. But maybe a family buys one nice SUV and also owns an older beater. My neighbors seem to do that. I suspect it is like housing and education. People buy what interest rates allow.... Read more »
  • ERE Journals • Re: Zankas poker-journal
    I have noticed Hold'em games getting increasingly difficult to beat by wide margins. I have been playing a lot more 8-game, HORSE, HOSE or any other mixed game to up my win rate. Does anyone else play mixed games?Statistics: Posted by ajcoleman22 — Wed Aug 21, 2019 8:28 am... Read more »
  • Transportation Questions • Re: My Mechanics Place
    Sclass, I wonder if the high spending on cars isn't driven by families with multiple cars? Is that $38K the average price of the average American's vehicle, or the average total cost of vehicles for the average family? I'm not very good overall at squeezing money out of the budget... Read more »
  • Money Questions • Re: Permanently low interest rates?
    @Jason: Right. I was just noting that you don't have to be insane to purchase 30 year Treasuries, just a certain mix of deeply pessimistic. I am trying to get the hang of Bayesian analysis, so I try to practice whenever I can. Kind of like I am the annoying... Read more »
  • Transportation Questions • Re: My Mechanics Place
    I noticed Tech Shop in the Bay Area went under during my last visit there. https://makezine.com/2017/11/15/techsho ... ankruptcy/Here is one in my area that seems to be working. https://urbanworkshop.net/I think there are some unique challenges in running these places. Like the goals are all orthogonal. The valid business reason is... Read more »
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    montanamoneyadventures.com

  • By this time next year
    The post By this time next year appeared first on .... Read more »
  • Should you invest in yourself?
    The post Should you invest in yourself? appeared first on .... Read more »
  • Zig When Markets Zag
    This has been the year of fulfilling the “wouldn’t it be nice if one day…..” list. We have compiled a long list of those over the years. “Wouldn’t it be nice if we could go skiing on great powder days?” Or “Wouldn’t it be nice if we took a little... Read more »
  • 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
    The post Never Forever Home appeared first on .... Read more »
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    Done by Forty

  • America's Dumb Approach to Childcare
    Mrs. Done by Forty was offered a new position recently, which means in addition to enjoying the ridiculously unfair tax benefits and the joy that comes from being a two income household, we'll also get to experience what it's like to pay for full time childcare for Baby AF.We got recommendations on... Read more »
  • VideoTwo Years Out: Are We on Track for Financial Independence?
    Today's my birthday. I turn thirty nine, one away from the big year where I leave my thirties, turn forty, and run against the number I foolishly set as my goal for reaching financial independence. Astute readers will note that I'm only one year from turning forty, and wonder why... Read more »
  • Even Out the Tax Benefits for All Workers Saving for Retirement
    We are awash in big news these days. Right after reaching the milestone of paying off our mortgage we found out we maybe, technically might have achieved the goal this blogger set out to accomplish way back in 2012: being financially independent according to the 4% rule.With all that still fresh... Read more »
  • The Investor Class & the Working Class
    The middle class is one of my favorite things to think and write about. I've tried reframing the classes into quintiles, I've written about the difference between having a middle class income and having middle class wealth; about how your location determines a lot about what kind of income you need... Read more »
  • Wait, Did Paying Off Our Mortgage Kind of Make Us Financially Independent?
    So, we did it. We sold a bunch of stock, pulled together our dividends and ESPP payments from June, scrounged up all the cash we could find, and paid off the mortgage last Friday. Pending some paperwork that has to go from the bank to the county, we are mortgage... Read more »
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    grumpusmaximus.com

  • The Pension Series (Part 20): Pensions, Volatility, and Risk
    When should a participant in a pension plan pay attention to market volatility? The post The Pension Series (Part 20): Pensions, Volatility, and Risk appeared first on grumpusmaximus.com.... Read more »
  • The Pension Series (Part 19): Pension Annuity vs. Lump Sum Analysis (Again)
    This Never Gets Old I’m not feeling particularly creative or productive this weekend. The last two weeks flew by in a blur due to work, which means no work on retirement paperwork. Strangely, though, I found both the time and mental clarity to help a reader analyze his pension lump... Read more »
  • Guest Post: Worth vs. “Worth It” Meets Value Purchasing
    Frequent guest writer, Chris Pascale, explains value purchasing, and some of the purchases he's made over the years that he considers "worth it". The post Guest Post: Worth vs. “Worth It” Meets Value Purchasing appeared first on grumpusmaximus.com.... Read more »
  • Pre-Retirement and Mental Health
    Everyone Take Note May is Mental Health Awareness month in the United States. I make no secret on this blog that I struggle with depression and anxiety linked to Post Traumatic Stress (PTS). Just the opposite, I shine a light on those issues and their interplay with my pensionable career... Read more »
  • The Military Retirement Process: Lessons Learned (Part 1)
    For the Military Members in the Audience When I first announced that I was officially retiring in 2019 via the blog and my Facebook group, the response was overwhelmingly positive. Amidst all those positive responses, Timika Downes, a fellow Financial Independence (FI) blogger, reservist, and FB group member asked me to... Read more »
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    Budgets Are Sexy

  • Would you pay for your favorite free apps??
    Would you pay for your favorite free apps?? Saw a fun study in my inbox this morning and thought I’d play along 😉 Maybe one day companies WILL charge us for some of these apps?! Have you ever considered the value you place on your favorite free apps? Many services... Read more »
  • New book & giveaway: “Quit Like a Millionaire”
    New book & giveaway: “Quit Like a Millionaire” Morning! Another awesome book came out while I was away, and wanted to get it out to y’all real quick while it was still hot off the presses 🙂 It’s called “Quit Like a Millionaire: No Gimmicks, Luck, or Trust Fund Required“,... Read more »
  • What Type of ClutterBug Are You? [Quiz]
    What Type of ClutterBug Are You? [Quiz] Happy Monday! Might I interest you in a fun little quiz this morning before you start the day? 🙂 It was passed to me by a reader of the blog who finally stumbled across an organizational system that works for her, and as... Read more »
  • This summer’s favorite reads + FinCon Next Month!! 💰
    This summer’s favorite reads + FinCon Next Month!! 💰 Morning!! So apparently this pneumonia thing is a LOT more serious than I gave it credit for! Just got back from my follow up with the doc, and when I asked her why I wasn’t feeling better yet she literally laughed... Read more »
  • A silly little trick I started doing to make expenses feel better… ;)
    A silly little trick I started doing to make expenses feel better… 😉 So week one in our new house was pretty fantastic. Our stuff made it all in one piece, our days were filled with sun and exploration, we joined our community pool for 1/2 off the price (woo!),... Read more »
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    ChooseFI

  • mp3141 | Reset: An Unconventional Guide for Getting Unstuck with David Sawyer
    David Sawyer released his book, Reset.  The book is aimed at helping people who feel stuck in their careers as well as an optimization strategy for Financial Independence in the UK. For more information, visit the show notes at https://choosefi.com/141... Read more »
  • mp3140R | The Real Cost Of A Financial Advisor
    Diving into the costs of a financial advisor and Nick from Mapped Out Money returns to discuss college hacking. For more information, visit the show notes at https://choosefi.com/140r... Read more »
  • mp3140 | FI Lifestyle Before FI Number With Nick True
    Nick True from Mapped Out Money talks about designing an FI lifestyle before reaching an FI number. Currently, Nick and his wife live in an Airstream trailer with the flexibility to live wherever they want to be. For more information, visit the show notes at https://ChooseFI.com/140... Read more »
  • mp3139R | Time is on Your Side
    Last week, Jonathan ended up at the DMV on a Friday afternoon with a crazy wait time. What should have been a quick trip turned into an ordeal worth avoiding. Today Jonathan and Brad discuss: How to Reclaim Your Time Side Hustling through the Secondary Market and how Sunny funded... Read more »
  • mp3139 | Reaching FI With Real Estate | Sunny Burns
    Sunny and his wife are 88.92% of their way to FI at only age 28 while living just 15 minutes outside of New York City. How did they do it? They share ow to pay for collect, the Department of Defense SMART Scholarship, car flipping, and more. For more information,... 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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    The Millionaire Educator

  • 2019 Summer Update
    Long overdue summer greetings to my dozens of faithful readers!  School has been out for a few weeks now, but I’ve been busy with my new basketball duties.  After a tough (and winless) basketball season and a sudden coaching change, guess who became a head coach again?  Yep, yours truly! ... Read more »
  • VideoHappy National 403b Day?
    Last September at FinCon 2018 in Orlando I was talking with the coolest cat in the cave, my FIRE brother J. Money of Budgets Are $exy, about how to shine some light on the abuses in the K-12 403b marketplace.  After about five seconds of reflection, he said, “Oh, that’s... Read more »
  • Why Your 403b Sucks Beyond Belief
    Welcome back millionaires.  Let me apologize for that insane April Fool’s post extolling the benefits of 403b plans.  Here are my real thoughts on those “benefits.”   Incredible Oversight?  Ha! If you have a 403b plan, brace yourself:  your retirement savings are adrift in the Wild West of the financial services... Read more »
  • 25 Reasons Why the 403b Is the Greatest Retirement Plan Ever!
    Beautiful South Georgia spring greetings to all my millionaire readers!  Even though we had a mild winter, the change of season is more than welcome.  It’s so pretty here this time of year. So far, our move to Statenville, Georgia has been a resounding success.  We love our new home,... Read more »
  • 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 »
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    Real Estate & Financial Independence Podcast

  • mp3Real Estate Investing 101 - 9 Steps to Get Started
    Episode #62 - Learn how to get started (or restarted) in real estate investing & avoid overwhelm. This in-depth, step-by-step episode will take you from start to finish in 9 steps.   To get the companion article for this episode go to https://www.coachcarson.com/real-estate-investing-101-get-started/ -------------------------- If you want to support the show,... Read more »
  • mp3Ask Coach - How Do You Estimate Repair Costs for Fixer-Upper Properties as a Real Estate Investor
    Episode #59 - Estimating repair costs for real estate investments isn't easy. But it IS something you can learn and get better at.   In this episode of Ask Coach, Chad gives tips on how he approaches estimating repair costs, and he also gives some recommended resources to go deeper.... Read more »
  • mp3Simplicity - An Uncommon Path to Freedom
    Episode #58 - Simplicity is an uncommon but age-old path to more personal freedom (including financial freedom!). This episode shares my story & examples from history like Henry David Thoreau.    To get the companion article for this episode go to https://www.coachcarson.com/simplicity-uncommon-path-freedom/ -------------------------- If you want to support the show, here... Read more »
  • mp3Ask Coach - Are College Rentals (aka Student Housing) a Good Investment
    Episode #57 - Have you heard that college rentals (aka student housing) is a profitable niche for real estate investors? It's actually the niche that I (Coach) focus on for my own portfolio.   So in this episode of Ask Coach, Chad gives you 5 tips to make college student rentals... Read more »
  • mp3Landlording 101 - or How I Managed 90 Rental Units From Another Country
    Episode #56 - My family and I moved to Cuenca, Ecuador and became ultra long distance landlords (2,611 miles to be exact!). This episode explains the landlording strategies, step-by-step, that have allowed me to manage (with help of course) 90 rental property units from another country.   To get the companion... Read more »
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    Afford Anything

  • mp3#210: How to Be an Adult – with Mark Manson
    [smart_track_player url="http://traffic.libsyn.com/paulaandjaymoney/AA210.mp3" title="How to Be an Adult - with Mark Manson" 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" ] We live in a fascinating era: huge sections of society are more prosperous, advanced and safe than at any other point in human history, yet depression and anxiety... Read more »
  • mp3#209: Ask Paula – Are Index Funds Unsafe?
    [smart_track_player url="http://traffic.libsyn.com/paulaandjaymoney/AA209.mp3" title="Ask Paula - Are Index Funds Unsafe?" artist="Paula Pant" social="true" social_twitter="true" social_facebook="true" social_gplus="true" social_linkedin="true" social_stumble="true" social_pinterest="true" social_email="true" ] Anonymous wants to retire early and often. They’re going overseas, where they’ll make their annual salary within six months. Where should they put their extra income? Anonymous also wants to... Read more »
  • mp3#208: How to Talk to Your Parents About Retirement and Beyond — with Cameron Huddleston
    [smart_track_player url="http://traffic.libsyn.com/paulaandjaymoney/AA208.mp3" title="How to Talk to Your Parents About Retirement and Beyond -- with Cameron Huddleston" 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" ] Well, this could get awkward. Your parents and grandparents are aging. (Duh.) You want to have a few important financial conversations with them.... Read more »
  • mp3#207: Ask Paula – Should I Take a $30k Paycut for Better Work-Life Balance, or Stick it Out?
    [smart_track_player url="http://traffic.libsyn.com/paulaandjaymoney/AA207.mp3" title="Ask Paula - Ask Paula - Should I Take a $30k Paycut for Better Work-Life Balance, or Stick it Out? " 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" ] Matt and his fiance earn $7,500 per month combined. They save more than half of their... Read more »
  • mp3#206: When Career Zigzagging is Smarter – with David Epstein
    [smart_track_player url="http://traffic.libsyn.com/paulaandjaymoney/AA206.mp3" title="When Career Zigzagging is Smarter - with David Epstein" 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" ] We live in a society that values career specialization. You’re not a “doctor” -- you’re a pediatrician, an anesthesiologist, an oncologist. You’re not a “lawyer” -- you practice... Read more »
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    Accidental Fire

  • Are You Climbing Mount Stupid?
    We stood there on the sidewalk of the busy road, bikes at our side.  He was puking all over the place, coughing and heaving, hands on his knees.   “Seriously, you can go, I’ll be all right. I just don’t... The post Are You Climbing Mount Stupid? appeared first on... Read more »
  • Study: Americans Best At Money When Deciding Between Cone Or Cup, Number Of Scoops
    WASHINGTON D.C. – Most Americans achieve their highest ability to understand money in the anxious seconds when deciding between a cup or cone and the number of scoops they desire at the ice cream shop, according to a new study. ... The post Study: Americans Best At Money When Deciding Between... Read more »
  • I’m Slowly Losing My W2 Muscles
    When I was in grade school I had a talent for drawing.  Or so that’s how my Mother dutifully described it at least.  I didn’t really agree, and was always upset at what I put on paper.  But there was... The post I’m Slowly Losing My W2 Muscles appeared first... Read more »
  • A Dash Of Life
    It was 1980, and John Lennon was finally going to release a new album.  I wasn’t even 10 yet, but the Beatles were a core part of my life.  Lennon had been aloof for a long time, not recording.  The... The post A Dash Of Life appeared first on Accidental... Read more »
  • The Horrors Of A Long Commute
    In the early 1990’s I was fresh out of college and lucky to score a pretty low paying job at a small dotcom start up.  With unemployment at 7.5% I took what I got and didn’t have the luxury of... The post The Horrors Of A Long Commute appeared first... Read more »
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    Independently Financed

  • Why workers should fight for entrepreneurs and entrepreneurship, too
    Become a Patron!Even though this blog is committed to promoting entrepreneurship, I often say I don’t think everyone should become an entrepreneur, for the fundamental reason that not everyone wants to become an entrepreneur. Plenty of people want to go to work, do their job as well as they can... Read more »
  • The wealthy Illinois degenerates were good and right for getting their kids a free education
    Become a Patron!Last week, the nonprofit journalism enterprise ProPublica wrote a breathless expose about a number of wealthy Illinois families, and their law firm collaborator, who were able to secure generous financial aid awards for their children to attend certain Illinois public universities.The article served as a brilliant kind of... Read more »
  • The Fidelity “dead accounts” study is fake, not wrong
    Become a Patron!I’ve noticed an interesting phenomenon, which I call “common knowledge about common knowledge” (doesn’t exactly roll off the tongue, I know). It’s when some piece of conventional wisdom becomes so banal that someone decides to refute it, and then the refutation becomes as widely known as the original... Read more »
  • What will the Social Security funding “crisis” look like?
    Become a Patron!When ignorant people want to sound serious, they start solemnly intoning about the Social Security funding crisis and the need for a “long-term” “fix” to the “problem.” This serves three useful purposes: it allows the speaker to change the subject from any actual problems existing today, it provides... Read more »
  • What do the wealthy need from their financial advisors?
    Become a Patron!I’ve had two conversations lately that got me thinking about a question which, for obvious reasons, doesn’t come up in most people’s lives: what do you do after you’ve exhausted all the obvious financial planning tools? Financial planning isn’t complicated, it’s just hardMost people have been trained to... 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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    The Happy Philosopher

  • A Podcast, Guest Post, and Random Musings
    Hey philosophers, just wanted to let you know about a couple of small projects I participated in recently. I haven’t had much time or motivation to write these last couple of weeks. I have been paying the work price for my two week vacation to Alaska. Flexibility to take a... Read more »
  • Running, Purpose, and Bears (Oh, my!)
    As my feet rhythmically hit the belt of the treadmill, it briefly occurred to me this was perhaps the weirdest time to start my journey back to some sort or reasonable physical fitness. The treadmill was gently rocking side to side and I was looking out at an endless expanse... Read more »
  • Why A Physician Should Work Full-Time
    As an evangelist of part-time work for physicians, I occasionally get an e-mail from a physician reader asking if cutting back on work is the right move for them. Often times they are early in their training, and I’m not sure how to respond. I feel conflicted. I know what... Read more »
  • The Government Doesn’t Want you to Work (Too Much)
    A feeling of dread suddenly came over me. The numbers just didn’t add up, yet I could not figure out where I went wrong. Maybe I typed something in wrong or missed a section, but everything looked more or less complete. Maybe I’m just getting too old for this and... Read more »
  • Water and Fish
    There are these two young fish swimming along, and they happen to meet an older fish swimming the other way, who nods at them and says, “Morning, boys, how’s the water?” And the two young fish swim on for a bit, and then eventually one of them looks over at... Read more »





    +

    Slowly Sipping Coffee

  • 70k Challenge Mid-Year Update!
    This year, I did something I’ve never done before. I joined one of those fitness tracking groups that you see a lot of in January and then they fade away by March. Well, not this group, holy hell, this is a year long commitment baby! Yearlong! What did I commit... Read more »
  • We Bought A Money Pit!
    One year ago we bought a money pit, I mean a house in Oklahoma. We were so excited because we were starting our Fully Funded Lifestyle Change, I was quitting my job, and we were moving to the country! Well, we got the country alright. I sit outside and watch... Read more »
  • Chainsaw Replacement: Should I Upgrade?
    Man, with school out, there has been so much going on around here. The kids are home full time, so that hinders me doing a lot out in the yard, but we’ve been having a lot of fun hanging out, playing, and hitting up the pool, museums, and zoo so... Read more »
  • Retirement is Killing My Blog
    Before I quit my job and headed into the great of unknown of being a Stay At Home Dad (SAHD) I had all kinds of thoughts about how this blog could follow along. First of all, I could be different from other bloggers that hit retirement and then faded into... Read more »
  • 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 »
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    zen habits

  • Creating Impeccable Structure for Your Life
    By Leo Babauta There’s a strange contradiction in most of our lives: We deeply feel the messiness of our lives. We feel it in all areas of our lives, which stresses us out and causes us to shut down, feel overwhelmed, run to distraction and comforts. It creates tremendous uncertainty... Read more »
  • Retraining Deeply Ingrained Habits of Mindlessness
    By Leo Babauta It’s hard enough to change a habit that you can physically see: going for a daily walk, sitting down to write, having a salad for lunch each day. These are easily seen, but can still be quite a challenge to instill in your life. But what about... Read more »
  • The Practice of Listening to Find Purpose
    “Let yourself be silently drawn by the strange pull of what you really love. It will not lead you astray.” ~Rumi By Leo Babauta Very often, our lives are so filled with busyness and distraction that we have no space to actually listen to what life is calling us to... Read more »
  • Finding Groundedness in the Age of Anxiety
    By Leo Babauta We live in uncertain times. Actually, things have always felt uncertain to the people who live in those times, but these days it might feel even more heightened, with the hyperconnectivity of the internet, social media and constant messaging, comparing ourselves to everyone else, and a very... Read more »
  • The Courageous Self-Discipline Challenge
    By Leo Babauta Who among us doesn’t procrastinate? Who comes up with a wonderfully prioritized plan for the day and sticks to it, without putting off the hard stuff and running to distraction or busywork or comfort? There may be some of you out there who are incredibly disciplined, but... Read more »
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    Financial 180

  • The Cheat Codes of FI
    For those of you following along, you know I've been a bit busy lately. In addition to my own music, podcast, and software projects, I've also been popping up on other people's podcasts. A few weeks back I sang a few bars of Michael Bublé on The FI Show with... Read more »
  • FI Without RE
    Back in November of 2017, a tired, burned out version of myself was pushed past his breaking point. After months of mandatory unpaid overtime, morning self pep-talks, stress-eating, and yelling at coworkers, the old Joel finally had enough. He walked up to his boss, and with a surprising, zen-like calm,... Read more »
  • VideoSo Much Time & So Little To Do!
    Wait a minute. Strike that – reverse it! I know, I know, I haven't updated this blog in months. What gives?! If things get any more sporadic around here I'll be on the Miss Mazuma publishing schedule! 😉 Maybe I should adopt the slogan of Wait, Buy Why and claim that I'll have... Read more »
  • Reaching for the Moon(shot)!
    This week, I'm thrilled to be featured on Coryn Quester's “Discover What's Possible” Podcast! In the interview, we talk about everything from the ‘Why' of FI,  to the most challenging aspects of financial independence for those just starting out. But one of the more interesting questions she posed really got... Read more »
  • Misconceptions of FI
    This past weekend The Wife and I went to see Crazy Rich Asians, and really enjoyed it! (Featured image credit: Entertainment Weekly) Having been on the FIRE journey for a few years now, it was fun taking in all the over-the-top luxury on the screen. Of course, this wasn't the... Read more »
    +

    DiverseFI

  • A Fickle Mistress
    A Fickle Mistress I was never very successful with girls during high school. In fact, they mostly avoided me like the plague. That didn’t stop me, however, from being most interested in them. So... The post A Fickle Mistress appeared first on DiverseFI.... Read more »
  • What’s Up Next Podcast: Episode 48
    What’s Up Next? Paul Thompson and I are proud to release episode 48 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 48 appeared first on DiverseFI.... Read more »
  • Inefficiency and Luxury
    Inefficiency and Luxury I spend a lot of time thinking about luxury. Not in the traditional sense of champagne wishes and caviar dreams, but more about what makes life feel abundant. What are the... The post Inefficiency and Luxury appeared first on DiverseFI.... Read more »
  • What’s Up Next Podcast: Episode 47
    What’s Up Next? Paul Thompson and I are proud to release episode 47 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 47 appeared first on DiverseFI.... Read more »
  • Conspicuous Consumption
    Conspicuous Consumption Many in the financial independence community are familiar with the term stealth wealth. Popularized, in part, by the book The Millionaire Next Door was the idea that the rich don’t always look... The post Conspicuous Consumption appeared first on DiverseFI.... Read more »
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    Vital Dollar

  • The Best Cashback Credit Cards (2019)
    If you’re serious about rewards, the credit card you choose should offer cash back. These types of credit cards offer a way to earn cash back on your purchases, and this can add up to some serious savings. While you need to use any credit card smartly, by choosing a... Read more »
  • DiversyFund Review: Build Wealth Through Real Estate Investing (for Everyday Investors)
    This post is sponsored by DiversyFund. All opinions are my own. Real estate is widely considered to be one of the best investments for growing wealth. The traditional route of owning rental properties doesn’t appeal to everyone because of all that is involved in owning and managing property and tenants.... Read more »
  • 40 Exciting Hobbies That Make Money
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    Vital Dollar

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    This article is sponsored by Masterworks. All opinions are my own. Conventional investments like stocks and bonds (including mutual funds that invest in stocks and bonds) are the core of most portfolios. While alternative investments provide opportunities for diversification, and in some cases, higher upside, many alternative investments have traditionally... Read more »