- Three Months of Slacking“MMM, are you still alive?”– somebody on Twitter Holy Shit! I just realized that the last time I wrote a blog post for you was on April 18th, and now it’s late July. That’s an entire quarter of a year that I have let this wonderful, golden field of interesting... Read more »
- VideoThe Self Educating ChildSo it looks like my 15-year-old is officially a high-school dropout. Halfway through ninth grade, emboldened perhaps by the taste of freedom that Covid-era remote learning had provided, he realized that the whole system was just too slow and inefficient for him, and was “Getting in the way of his... Read more »
- Beware of the Bubble“A Nation Which Forgets Its Past Has No Future” Those were the words on a 20-foot-long banner that “Mr. Slick”, my high school history teacher, kept carefully pinned across the width of his classroom for the entire four years I had classes with him. “That makes no sense at all”,... Read more »
- The Margin Loan: How to Make a $400,000 Impulse PurchaseSo, I kind of just bought the house next door to me. This is already somewhat amazing, for a small-town boy who refuses to even buy himself a new car. But even stranger are the details that surround this deal: I’m not moving into it. I don’t really need or... Read more »
- Poisoned Just Enough: Why I’m so Optimistic About 2021A close friend of mine was diagnosed with cancer this year. It was the serious kind, where you need to treat it quickly and aggressively or it will spread through your body, stick to all of your organs, and kill you. The diagnosis was a shock to my friend and... Read more »
Mr. Money Mustache
- ● The Luxury of a High Savings Rate; or Who's Afraid of Bonds?Intro A frequent question on this sub is whether bonds have any place in an accumulator's portfolio. Setting aside the currently en vogue idea of a bond tent (which is a weak asset allocation move of dubious value), many investors here take the view that can be crudely summarized as... Read more »
- ● Daily FI discussion thread - Monday, September 20, 2021Please 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 »
- ● Weekly “Help Me FIRE!” thread. Post your detailed information for highly specific advice - September 20, 2021Need help applying broader FIRE principles to your own situation? We’re here for you! Post your detailed personal “case study” and ask as many questions as you like, or help others who’ve done the same. Not sure if your questions pertain? Post them anyway…you might be surprised. It’ll be helpful... Read more »
- ● Weekly FI Monday Milestone thread - September 20, 2021Please use this thread to post your milestones, humblebrags and status updates 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! Since... Read more »
- What changes and what stays unchanged after hitting FII recently hit my FI number. Try to write down what I feel and what has changed. Some background, I'm in the early 40s in VHCOL (SF/NY). Married w/ kids. I do not get irritated/offended easily. I am much less competitive at work. I do not care about raise or... Read more »
Financial Independence / Retire Early
- ● Recruitment strategiesLately I have been thinking in terms of recruitment strategies and how they affect the final composition of the recruited group. I think it is clear that each strategy has a different outcome. What makes life and business difficult is that often there is a desire to meet two conflicting... Read more »
- ● Skills and ImaginationCopyright © 2007-2021 earlyretirementextreme.com This feed is for personal, non-commercial use only. The use of this feed on other websites breaches copyright. If you see this notice anywhere else than in your news reader, it makes the page you are viewing an infringement of the copyright. Some sites use random... Read more »
- Optimizing blogging with S-curvesBlogging has no threshold to get started. There is no need for a degree to apply, nor is advancement determined by “unionized” seniority. This means that there is little initial investment needed to get started in terms of time and money. In fact, it is possible to start a new... Read more »
- Garbage and excessive spendingThe United States produces 265 million tons of garbage each year. Since there are 300+ million [United States of] Americans, this means that each person on average produces slightly less than a ton of garbage each year. Although it is conveniently moved out of sight and thus out of mind... Read more »
- Why this early retirement blog continuously talks about cycling and cooking?Financial independence comes from the combination of having enough money and spending sufficiently little so that interest from the former covers the expenses of the later. The biggest sources of personal expenses are generally Children Housing Transport Food Taxes Reducing expenses in these areas will make a much larger impact... Read more »
Early Retirement Extreme
- ● Award Travel Series: Update to the Chase Sapphire Credit CardsAdvertiser Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CardRatings.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Opinions, reviews, analyses... Read more »
- Our New HomeWe bought a welcome mat. And a house where we can place it. Please join me on a tour. Our new home Let’s start with the important stuff – awhile back we setup some criteria for our forever home. Turns out the Sacramento area hits all of our buttons. If... Read more »
- VideoMillionaires Don’t Buy New Cars“Millionaires don’t buy new cars” is something I have heard countless times. This concept probably gained popularity with the book The Millionaire Next Door, in which the authors observe that many millionaires pay cash for quality used cars at discount prices… …the implication being that if you care about accumulating... Read more »
- Award Travel Series: Getting Approved For Cards after a DenialAdvertiser Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CardRatings.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Opinions, reviews, analyses &... Read more »
- Coming to AmericaFor years we have comfortably resided abroad, enjoying a royal lifestyle that included fine dining, a deluxe apartment in the sky, a nanny, quality affordable health care, and frequent visits to the country club. And for the most part we even lived in a COVID-free oasis. So of course we... Read more »
Go Curry Cracker!
- ● Interview With The Fioneers!Hey look, the Fioneers interviewed me for their Slow FI interview series and it’s live today: https://thefioneers.com/death-march-to-financial-independence/ Fioneer Jess asked me to participate in the interview over 1 year ago. I wish that I would have gone this slow in my FI journey. Whoops! Thanks Jess for this opportunity and... Read more »
- July 2021 Performance Update: The Beast!My main goal* was to build an investment and cash portfolio of $1,120,000* ($1,000,000 to retire on and $120,000 to pay off the house) in 1500 days**, starting from 1/1/2013 and ending in February of 2017. I made my goal in 2016, my 1500 Days are over, and I’ve left my job. In the interest of... Read more »
- How To Successfully Flip Homes For Fun And Profit!Live-in flipping is a great way to make large amounts of money tax-free. You have to live somewhere, so why not live in a home that wiill help make you rich? In this post, I’ll share: How I got started with home flipping My deals including my numbers My best... Read more »
- Unlimited UpsideI’ve made a lot of investing mistakes. I bought into the dot-com bubble and rode some stocks to great highs and then quickly down to zero. Whoops. It was a great time to learn because my portfolio was minuscule. I lost around $5,000, but it may have been the best... Read more »
- M.K. Williams On Mile High FIThis week on the Mile High FI podcast, Doug and I talked to M.K. Williams. I’ve bumped into M.K. many times at FI events and always enjoyed our conversations, so I really looked forward to this interview. MK is an author, speaker, and mother. I’m also happy to call her... Read more »
1500 Days to Freedom
- mp3Fifth (and Final) Annual UpdateIt's been five years since I left my full-time job so here's my fifth (and final) annual update on post-FI life! Read more → The post Fifth (and Final) Annual Update appeared first on Mad Fientist.... Read more »
- How to Retire Early With Kids (14 of Them!)Learn how to retire early with kids from the dad who has 14 of them! Rob shares how his family achieved FIRE six years ahead of schedule. Read more → The post How to Retire Early With Kids (14 of Them!) appeared first on Mad Fientist.... Read more »
- mp3Early Retirement Extreme – A Systems Approach to Lifestyle DesignI finally talked to the person who introduced me to the idea of financial independence - Jacob Lund Fisker from Early Retirement Extreme! Read more → The post Early Retirement Extreme – A Systems Approach to Lifestyle Design appeared first on Mad Fientist.... Read more »
- A Better Alternative to Resolutions and GoalsThere's a better alternative to resolutions and goals...especially if you're pursuing financial independence and early retirement. Read more → The post A Better Alternative to Resolutions and Goals appeared first on Mad Fientist.... Read more »
- Military FIRE – The Tax, Investing, and Travel Benefits of Military ServiceMilitary servicemembers have access to incredible tax, investing, and travel benefits that can accelerate the journey to FI! Read more → The post Military FIRE – The Tax, Investing, and Travel Benefits of Military Service appeared first on Mad Fientist.... Read more »
Mad Fientist
- ● Let’s Go Exploring! Atlantic Provinces Part 1: HalifaxOur original plan was to follow the results of our reader poll, leave the country and go to Madeira, Portugal. But then this happened: Passengers left on planes, sometimes for hours, due to Pearson COVID capacity limits ~~Toronto Sun That’s when I realized that even though we are both fully... Read more »
- How to Get Free BitcoinI’m honestly not sure why so many people have such a hard-on for crypto. At this point, we now personally know nearly all the major FIRE bloggers out there and of the ones that successfully reached FIRE, most got there by investing their money in index funds, with some doing... Read more »
- The Conundrum of Home AffordabilityThe world may be distracted by all sorts of geopolitical shenanigans right now (Afghanistan, the resurgence of COVID, etc.), but here in Canada you may be surprised to learn that we are going through something rather interesting right now: a federal election. While the last American election in 2020 was... Read more »
- Why Freedom Can Be ScaryI recently read a fascinating book called “In Order to Live” by North-Korean defector and survivor, Yeonmi Park. It’s an autobiography, telling the story of 13-years-old Yeonmi fleeing North Korea, becoming a victim of human trafficking in China, and eventually finding freedom in South Korea. To say that she’s “had... Read more »
- Should You Buy a Co-op?A few weeks ago a reader emailed us asking “I get that houses and condos are super pricey right now, but I just found this co-op in my neighbourhood that’s still reasonably priced. Is that a good idea?” To which my response was “What the Hell is a co-op?” Turns... Read more »
Millennial Revolution
- ● Should You Start a Business After Retiring?“Should I start a business after retiring?” It’s a question many of us ask… and with good reason. After achieving financial independence, it’s common to want to continue doing meaningful work. A retirement business can create a way to provide value for others and meaning and purpose for ourselves. There’s... Read more »
- The Ultimate Guide to Renting a Campervan or Small RVTraveling the country in an RV is a dream for many of us. However, owning a campervan or RV comes with significant financial costs and time commitments. Have you considered renting instead? We’ve all made aspirational purchases that were going to change our lives for the better… which we then... Read more »
- Should You Rollover Your 401(k) to an IRA?During my working years, I invested regularly into my 401(k). I chose to use my 401(k) to take advantage of the considerable tax benefits available to an early retiree. This consistent saving, combined with a bull market over the last decade of my career, left me with a substantial balance... Read more »
- August 2021 Best of the WebBeing a natural saver can put you on the path to early retirement being a viable option. However, that propensity for building a portfolio can make spending from it a challenge. We’ll start with a couple of articles that will give you confidence to spend money in retirement to enjoy... Read more »
- Creating and Adjusting an Investment Policy Statement — With Free Downloadable PDFOur Investment Policy Statement (IPS) includes our investment objectives, asset allocation, strategies to control investment fees and taxes, and plans for managing the portfolio. A written investment policy statement is vital to achieving investment objectives. It helps prevent making bad decisions driven by fear or greed. It’s also helpful to... Read more »
Can I Retire Yet?
- North Carolina to Kansas – Cross Country USA Road Trip (Part 1)When planning our big summer road trip in the Western United States, we considered flying straight to Denver and starting our adventures there in the rocky Mountains. Or should we drive across the Midwest and stop to see whatever we can along the way? We chose the latter route. Our... Read more »
- August 2021 Early Retirement Update – Back to School (and College!) EditionHow is it September already? Summer break is over and all our kids have been back in school for a couple of weeks now. We are more than two thirds of the way through 2021 already! Where did all the time go? The biggest news of the month is that... Read more »
- July 2021 Early Retirement Update – Back Home in Raleigh!Welcome back to Root of Good! We arrived in Raleigh two weeks ago after spending most of the summer driving cross country for our road trip. I can't believe summer is almost over! One of our kids starts college half time in one week and all three will commence regular... Read more »
- June 2021 Early Retirement Update – USA Road Trip EditionHere we are turning the page on our calendar to July. We've spent most of the last month traveling across the USA from North Carolina to California. As this post goes live, we'll be waking up not too far from the Pacific Ocean. Soon we will turn back east and... Read more »
- May 2021 Early Retirement UpdateIt was another busy month here in the Root of Good household. We have been busy with final preparations for our seven week road trip across the USA. I think we are ready to go. Two of our kids are completely done with school for the year. Our third kid... Read more »
Root of Good
- Mr. FW Retired and We Paid off Our Mortgage: Frugalwoods FIRE is CompleteTwo sizable pieces of Frugalwoods-relevant news occurred this past spring: We paid off the mortgage on our primary residence in Vermont! Mr. Frugalwoods retired! These both happened amidst the flurry of the pandemic, our stint as unintentional homeschoolers and, of course, maple sugaring season. I promised to share the details... Read more »
- Reader Case Study: Living in Lakewood, Longing for More Space and TimeEve and her husband Gordon live in Lakewood, Colorado–a suburb of Denver–along with their two young sons and one guppy fish. Eve works part-time as a marketer and Gordon works full-time as an engineer. Four years ago they began working towards financial independence and an early semi-retirement. They’d like to... Read more »
- Tractor Repair And Other July 2021 ExpensesJuly 2021 Well, this is it. This is the month I transform from Frugalwoods to Spendywoods. The post-pandemic celebration of being alive continued in July and WOW can you tell from our expense report. I’m embarrassed to publish our expenses on spendy months because I feel like I’m supposed to... Read more »
- These Three Months On the Homestead: May Flowers, June Berries and July ChickensMay, June and July 2021 I have not disappeared into the woods. Or lost my internet connection. Or forgone my enthusiasm for inundating the internet with chicken photos. I’ve just been…. busy! Not even an interesting or original excuse, but the plain truth. I didn’t anticipate or prepare for the... Read more »
- Reader Case Study: Full-time Dog Trainer Needs More Space for… Dog Training!Birdie and her husband Allan live in Gaithersburg, Maryland where they both own their own businesses and work from home. Birdie is a dog trainer and, at present, their condo is not cutting it in terms of space and outdoor access. Birdie specializes in a board-and-train model, which means she... Read more »
Frugalwoods
- The negligence that led me to DIY investingGuest post from AR (Accidentally Retired) Growing up, my Grandpa was a “financial advisor.” Or perhaps he was a stock broker? I’m not sure. Whatever you want to call his profession, there was no doubt that he was a brilliant salesman, a lover of people, and someone who would talk... Read more »
- Chainsaws and Credit Cards50 years ago, I was putting myself through college working with a tree crew outside of Chicago taking down huge, majestic elm trees. They had been infected with the tiny beetles that caused Dutch Elm Disease. In an effort to stop their spread, the moment beetles were detected in a... Read more »
- Part XXXVI: Estate Planning 101 — The Simple Path to an Estate PlanPull Your Head Out of the Sand By Vicki Cook and Amy Blacklock Before I sat down to write this post, I re-read The Simple Path to Wealth. This quote from JL… “As individuals we only have one obligation to society: To make sure we, and our children, are not... Read more »
- The Simple Path to a Lucrative CareerIt is always wise to be careful in choosing with whom you associate and do business. The older I get the more this has proven true. I’ve known Jonathan and Brad, the founders of ChooseFI, for a long time. I was one of their first podcast guests and have been... Read more »
- Help Wanted: a new bookEver since publishing The Simple Path to Wealth, the idea of publishing another book has been rattling around in my brain. I’ve just needed time for the memory of how awful a task writing a book is to fade. So far it has taken half a decade. A couple of months... Read more »
JLCollinsnh
- ● Recent Pullback: This Cheap Stock Is Now Rated A BuyWant to invest in a high-quality company? How about getting a good deal on that investment? Like the idea of collecting safe, growing, market-beating dividend income, too? Then you have to check out today’s video. For more on a high-quality dividend growth stock that looks undervalued after a recent pullback,... Read more »
- Undervalued Dividend Growth Stock Of The WeekEvery 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 »
- 5 Reasons Why I Quit My Job To Live Off Of DividendsInterested in becoming financially independent? Does living off of dividends sound like a dream come true? Want to know why living off of dividends is way better than living off of a paycheck? Then you have to check out today’s video. For more on five reasons why living off of... Read more »
- Up 1,600% – Predicting 3 Stocks To Be Tomorrow’s Dividend AristocratsLove having high-quality Dividend Aristocrats in your portfolio? Looking to collect safe, growing totally passive dividend income for decades to come? Want to know about stocks that are on their way to becoming the Dividend Aristocrats of the future? Then you have to check out this video. For more on... Read more »
- Up 40% YTD, This Stock Is Raising Its Dividend By 14%Do you like the idea of getting paid to invest? How about getting paid even more money than you were getting paid before? Want to know about companies that are giving their shareholders “pay raises”? Then this video is for you. For more on three dividend growth stocks that just... Read more »
Mr. Free At 33
- ● Form 3115: Applying a Cost Segregation Study on a Tax ReturnThis is a step-by-step guide in preparing a tax return, with a filled-in Form 3115, where a cost segregation study is involved, including depreciation adjustments.... Read more »
- Good Insurance vs Bad InsuranceAll insurance is a waste of money until it comes time to file a claim. The trick is in determining which insurance is good, protecting you from serious financial harm, and the bad. When I talk about good and bad insurance I'm not talking about fraud or an insurance company... Read more »
- Winning With Benjamin Franklin’s VirtuesBenjamin Franklin might be the most important of the Founding Fathers. His steady hand and silence shouted more than hours of oratory. When younger minds became heated at the Constitutional Convention, Franklin sat quietly until it was obvious the attendees were at an impasse. Franklin, silent during most of the... Read more »
- The Goal is to Pay No Income Taxes, LegallyTaxes. They come in many forms. Some are hidden: corporate taxes are built into the cost of goods and services you buy; excise taxes are included into products like gasoline. Others are more visible like sales and property taxes. And then we come to the most visible and dreaded tax... Read more »
- Identify Your Ideal ClientThe most common mistake I see in my practice when a client starts a new business or side hustle is that they try to be everything to everyone. This leads to overwhelm, burnout and alienates the ideal client. By identifying your ideal client you increase your chances you will have... Read more »
The Wealthy Accountant
- Introducing Wallet Activism, a New Book and PodcastMy new book and podcast, both called Wallet Activism, are here (or at least in pre-order form for the book). This post is all about why I undertook this new project, how you can read and listen, and what's in it for you to pre-order the book.... Read more »
- It’s Time to Retire FIRE (and to Split It Up)I'm making a big claim today, but for good reason: It's time to retire the FIRE movement (and to split up those pursuing more control over their time). Read on to find out why.... Read more »
- The Value of a Long BreakI'm back on the blog after a long time away to write my next book, Wallet Activism, and to reflect on what's actually worth saying after the last year. Though this wasn't a break I intended, it taught me a lot about the value of stepping away for a while,... Read more »
- Retire Early Without Harming Others // A Hard Look at FIRE and Racial InequalityMy last post was about how the discourse of the FIRE community upholds systemic racism, but today's is much more personal. This is about how our choices as individuals -- as investors, as people choosing where to live, as earners, as tax payers and as charitable givers -- impact and... Read more »
- How the Personal Finance Sphere Upholds Systemic RacismIt's deeply uncomfortable for a lot of us, white Americans especially, to talk about race. But if we care about helping people with their finances, or about not upholding systemic racism built into our system, we have no choice but to talk about it. Here is the tough but necessary... Read more »
Our Next Life
- Introducing Wallet Activism, a New Book and PodcastMy new book and podcast, both called Wallet Activism, are here (or at least in pre-order form for the book). This post is all about why I undertook this new project, how you can read and listen, and what's in it for you to pre-order the book.... Read more »
- It’s Time to Retire FIRE (and to Split It Up)I'm making a big claim today, but for good reason: It's time to retire the FIRE movement (and to split up those pursuing more control over their time). Read on to find out why.... Read more »
- The Value of a Long BreakI'm back on the blog after a long time away to write my next book, Wallet Activism, and to reflect on what's actually worth saying after the last year. Though this wasn't a break I intended, it taught me a lot about the value of stepping away for a while,... Read more »
- Retire Early Without Harming Others // A Hard Look at FIRE and Racial InequalityMy last post was about how the discourse of the FIRE community upholds systemic racism, but today's is much more personal. This is about how our choices as individuals -- as investors, as people choosing where to live, as earners, as tax payers and as charitable givers -- impact and... Read more »
- How the Personal Finance Sphere Upholds Systemic RacismIt's deeply uncomfortable for a lot of us, white Americans especially, to talk about race. But if we care about helping people with their finances, or about not upholding systemic racism built into our system, we have no choice but to talk about it. Here is the tough but necessary... Read more »
Our Next Life
- Introducing Wallet Activism, a New Book and PodcastMy new book and podcast, both called Wallet Activism, are here (or at least in pre-order form for the book). This post is all about why I undertook this new project, how you can read and listen, and what's in it for you to pre-order the book.... Read more »
- It’s Time to Retire FIRE (and to Split It Up)I'm making a big claim today, but for good reason: It's time to retire the FIRE movement (and to split up those pursuing more control over their time). Read on to find out why.... Read more »
- The Value of a Long BreakI'm back on the blog after a long time away to write my next book, Wallet Activism, and to reflect on what's actually worth saying after the last year. Though this wasn't a break I intended, it taught me a lot about the value of stepping away for a while,... Read more »
- Retire Early Without Harming Others // A Hard Look at FIRE and Racial InequalityMy last post was about how the discourse of the FIRE community upholds systemic racism, but today's is much more personal. This is about how our choices as individuals -- as investors, as people choosing where to live, as earners, as tax payers and as charitable givers -- impact and... Read more »
- How the Personal Finance Sphere Upholds Systemic RacismIt's deeply uncomfortable for a lot of us, white Americans especially, to talk about race. But if we care about helping people with their finances, or about not upholding systemic racism built into our system, we have no choice but to talk about it. Here is the tough but necessary... Read more »
Our Next Life
- Introducing Wallet Activism, a New Book and PodcastMy new book and podcast, both called Wallet Activism, are here (or at least in pre-order form for the book). This post is all about why I undertook this new project, how you can read and listen, and what's in it for you to pre-order the book.... Read more »
- It’s Time to Retire FIRE (and to Split It Up)I'm making a big claim today, but for good reason: It's time to retire the FIRE movement (and to split up those pursuing more control over their time). Read on to find out why.... Read more »
- The Value of a Long BreakI'm back on the blog after a long time away to write my next book, Wallet Activism, and to reflect on what's actually worth saying after the last year. Though this wasn't a break I intended, it taught me a lot about the value of stepping away for a while,... Read more »
- Retire Early Without Harming Others // A Hard Look at FIRE and Racial InequalityMy last post was about how the discourse of the FIRE community upholds systemic racism, but today's is much more personal. This is about how our choices as individuals -- as investors, as people choosing where to live, as earners, as tax payers and as charitable givers -- impact and... Read more »
- How the Personal Finance Sphere Upholds Systemic RacismIt's deeply uncomfortable for a lot of us, white Americans especially, to talk about race. But if we care about helping people with their finances, or about not upholding systemic racism built into our system, we have no choice but to talk about it. Here is the tough but necessary... Read more »
Our Next Life
- ● Re: Eat All The Food In Your House - Take 2@MountainGal - we quick pickle our (hundreds of) jalapenos. https://gimmedelicious.com/quick-10-minute-pickled-jalapenos/... Read more »
- ● Re: Renting for better schoolsQuote from: trollwithamustache on Today at 03:36:50 PMWe did this. you can spend 50k a year to send your kid to a top tier private school. Or you can move one of several public high school districts in the SF/Bay Are...... Read more »
- ● Re: Buying from a friend (without a realtor)?Quote from: sailinlight on Today at 03:27:33 PMMake sure your offer includes a clause that if it appraises for less, they will either refund your earnest money, or will lower the price to the appraised price. This co...... Read more »
- ● Re: Calif eliminates single-family home zoning (SB 9 and SB 10)Quote from: Dicey on September 17, 2021, 09:53:41 PMOur house is on a 13,000 sf lot, but damn, there is no way to put another unit on the property. I'd do it in a heartbeat. I expect it's going to change things in a lot of pla...... Read more »
- ● Re: Guest Bedroom MattressesQuote from: zolotiyeruki on Today at 04:04:18 PMI have two questions:1) how much do your guests weigh?If they're heavier, you'd probably want to get a thicker mattress. Unless...2) how much do you want them to vi...... Read more »
The Money Mustache Community
- ● ERE Journals • Re: Lemur Journal!When I look at my list of options trades I see W, W, W, W, W, W, L, W, W, W, W, L ...etc...and as long as I am in the green I am making money that I otherwise would not have in the end. I do not test the... Read more »
- ● Skills & Tools Questions • Re: Fixit LogFixit-it failure with the Bowflex dumbbells. Each dumbbell has a bolt running through the center, threaded on each end with nylon-insert locknuts. It was impossible to unscrew both ends as there is no way to hold the bolt from spinning. So I unscrewed one end, pulled everything off of the... Read more »
- ● Money Questions • Re: Cadence of Withdrawals when retiredI would strongly urge you to read the entire SWR series on ERN. It's not going to make or break your retirement, but getting this part *right* can significantly impact your failsafe withdrawal rate and anxiety in retirement. https://earlyretirementnow.com/safe-wit ... te-series/Statistics: Posted by 2Birds1Stone — Mon Sep 20, 2021 5:05... Read more »
- ● Money Questions • Re: Cadence of Withdrawals when retiredThe above looks like a well traveled road. It's by no means the only way or the best way. It's preferable to manage it in terms of the tax and investment consequences of the entire income/capital portfolio rather than a fixed rule of thumb. For example, part time income tax... Read more »
- ● ERE Journals • Re: seanconn's journalJust tell your family you got a DWI and you're being extra careful now.Statistics: Posted by 2Birds1Stone — Mon Sep 20, 2021 5:03 pm... Read more »
Early Retirement Extreme Forums
- Growing a Business During a Mini RetirementCould things be different? That is the question Nicole Santiago answered when she embraced the art of flexibility and pivoted careers during her mini-retirement. Listen here at Libsyn, Apple, Castbox, or your favorite player. Nicole connected with Jillian in 2017. A full-time teacher who just had her third child, Nicole and her husband were... Read more »
- Recovering from Burnout with a Mini RetirementOne week into his mini-retirement, Josh Obermyer joins Jillian to discuss the challenges and intentions he has to destress, decompress, and figure out what’s next. Listen here at Libsyn, Apple, Castbox, or your favorite player. Burnt out with his ever-increasing workload and long commute, Josh was ready for a break. An active member of... Read more »
- Testing the FIRE Lifestyle with a Mini RetirementA sabbatical meant to last two months has stretched into two years, and an indefinite mini-retirement as Paul learned that time is more valuable than money in this season of life. Listen here at Libsyn, Apple, Castbox, or your favorite player. When Paul and his family, including four children, decided that it was time... Read more »
- Taking a Mini Retirement Between JobsMelissa took advantage of her family’s move across the U.S. to launch their mini-retirement travel adventures. Could a job transition help you step away and into your bigger goals? Listen here at Libsyn, Apple, Castbox, or your favorite player. Melissa, from the Travelling Wallet, connected with Jillian in 2017 through Jillian’s blog. They met... Read more »
- Mini Retirements for Medical ProfessionalsIt is common for medical professionals to become burnt out in the often toxic and high-stress environments they work in. Brenda Krygowski shares how taking a mini-retirement helped her unplug from the system and find something better. Listen here at Libsyn, Apple, Castbox, or your favorite player. When Jillian ran a beta test on... Read more »
montanamoneyadventures.com
- ● Wealth Quartiles, and Who Is Rich, Anyway?The other day, a question came up on my Twitter feed. Do you consider yourself rich?I like this sort of question. Ideally, it inspires a little introspection and gets me to step back and get some perspective. Do I understand where we stand financially? Do I appreciate how lucky we... Read more »
- VideoI Guess I Like Cars Now?So there was a slight omission in our last annual "are we on track for FIRE" post. Okay, two small omissions, that totaled twenty thousand dollars. Unintentionally following a trend that swept America while we were cooped up in a pandemic, we bought not one, but two, used cars: a... Read more »
- VideoStuck in the Middle with YouBill Simmons once mentioned that people have a weird quirk when it comes to talking about weddings. No matter how many people you had at your wedding, if someone had twenty more people at their wedding, then they had a huge wedding. If someone had 20 fewer people, they had... Read more »
- VideoZero Days Out...Were We On Track for Financial Independence?I turned forty one a couple weeks ago, which was kind a bummer. I've never been a big fan of my birthday and this has only gotten worse with age. I'd like to stop commemorating it altogether, but I have these people who love me and reminding me is a... Read more »
- VideoFor Me, it's the REThe correct thing to do in FIRE is to focus on the financially independent part: the freedom you gain from having financial security. If you no longer needed to work for money, what would you do with your one and precious life? Would you travel the world full time? Write... Read more »
Done by Forty
- The Pension Series (Part 28): The Golden Albatross Vs. Age, Tenure, and GenderYou're about to find out that age, tenure, and gender are far more powerful elements during a Golden Albatross decision than any singular pension design element -- even one as popular as healthcare. The post The Pension Series (Part 28): The Golden Albatross Vs. Age, Tenure, and Gender appeared first... Read more »
- The Pension Couch: Early Retirement PenaltiesEarly retirement penalties in pension plans are real, and they can seem draconian for some. The post The Pension Couch: Early Retirement Penalties appeared first on The Golden Albatross.... Read more »
- The Pension Couch: 8 More YearsIf pension money is just a tool, then it's up to each pensioner to determine that tool's purpose. The post The Pension Couch: 8 More Years appeared first on The Golden Albatross.... Read more »
- 18 Months of KiwiarbitrageFear of missing out on a better exchange rate is just like the fear of missing out on a better stock price! The post 18 Months of Kiwiarbitrage appeared first on The Golden Albatross.... Read more »
- The Pension Series (Part 27): The Golden Albatross Pension SurveyI only ran this survey to meet the 'primary data collection' requirements for my master's thesis. However, I decided a survey might provide some fascinating insight into my readership. In that regard, it didn't disappoint. The post The Pension Series (Part 27): The Golden Albatross Pension Survey appeared first on... Read more »
The Golden Albatross
- ● My Solo 401(k) Is a $exy, Tax-Advantaged Retirement AccountThe post My Solo 401(k) Is a $exy, Tax-Advantaged Retirement Account appeared first on Budgets Are Sexy. Hey guys! I’ve got some nerdy news … I just set up a Solo 401(k) plan with TD Ameritrade. And it wasn’t as hard as I thought it would be! In fact, I... Read more »
- “My Mind Was Completely Blown. Is This FI Stuff Possible?!”The post “My Mind Was Completely Blown. Is This FI Stuff Possible?!” appeared first on Budgets Are Sexy. [Do you remember the exact moment you learned about FIRE? … And how exciting it was? That’s what my friend Eileen is sharing with us today. Remember, the more you share your... Read more »
- Money Lessons Learned While Traveling Around the WorldThe post Money Lessons Learned While Traveling Around the World appeared first on Budgets Are Sexy. I asked our tour guide, “What’s the difference between people in the South and people in the North?” My wife and I were traveling through Vietnam on a small boat somewhere in the Meekong... Read more »
- 2021 Money Goals: Mid-Year Review/Revise/Remove!The post 2021 Money Goals: Mid-Year Review/Revise/Remove! appeared first on Budgets Are Sexy. Hey there, happy people! How’re we all doing this morning? This year is FLYING by. I just stumbled across a list of money goals I wrote down at the start of the year (I say “stumbled across”... Read more »
- Value Based Budgeting = More Happiness for Your DollarsThe post Value Based Budgeting = More Happiness for Your Dollars appeared first on Budgets Are Sexy. About 3 years ago, my wife and I sat down to create a new type of budget. We’d always been good about tracking our expenses and had a standard budgeting method for stuff,... Read more »
Budgets Are Sexy
- mp3● 343 | Firing the HatersIn this week's episode, Brad and Jonathan are joined for the "many-ith" time by Jillian Johnsrud to discuss her new book, "Fire The Haters." Together, they dissect some of the themes from Jillian's book, which leads to discussions about overcoming imposter syndrome, taking action, acknowledging valid feedback, and identifying the... Read more »
- mp3342 | Don't Let Good Be the Enemy of GreatWhen things are good, is it the right move to settle in place? In this week's episode, Brad and Jonathan discuss the nature of good, and how things being good is often the biggest obstacle standing in the way of things being great. After all, there is no opportunity for... Read more »
- mp3341 | Worthwhile SplurgesIn this week's episode, Brad and Jonathan discuss the benefits of slightly diverting from the FI mindset and spending more on meaningful purchases. While splurging can be a slippery slope, calculated splurging can yield large returns in terms of enjoyment, opportunity, and time! Resources Mentioned In Today's Conversation PaperKarma Opt... Read more »
- mp3340 | Diamonds in the RoughIn this week's episode, Brad and Jonathan reopen the mailbag which prompts a discussion examining the true monetary value behind collectable items, and why finding that diamond in the rough could inherently be more valuable than actual diamonds! We also hear about some fantastic wins the community has experienced, plus... Read more »
- mp3339 | Close the LoopIn this week's episode, Brad and Jonathan dive into the mailbag and respond to listener emails! Throughout the episode, you'll hear about some of the wins those in our community have experienced, ranging from having the power to take back and optimize personal time, to 2nd graders discussing the FI... Read more »
ChooseFI
- Under New Management: Again!Three Creeks Media bought The Military Guide. You can read the text of the press release at the end of this post. Here’s more information behind the sale of two top military financial-independence blogs. For the last few years, The Military Guide blog has been owned & operated by... Read more »
- Did DFAS And The TSP Let You Contribute Too Much?Check your 2021 TSP contributions now! I’ve heard from three different servicemembers that the Defense Finance and Accounting Service and the Thrift Savings Plan have failed to stop their TSP contributions after reaching the elective deferral limit ($19,500 in 2021). This problem is caused by a glitch in a January... Read more »
- Home Depot Military Discounts – How to Save 10% on Purchases at Home DepotHome Depot is one of the most popular hardware store chains in the United States. So, it comes as no surprise that they offer a variety of different promotions to keep their customers interested. Though most promotions and discounts are provided for a particular event, holiday, or time of year,... Read more »
- Reader story: “How I Bumbled Into Financial Independence” (part 2)[This post is brought to you by my cousin Ross! If you’re interested in contributing at The-Military-Guide.com, please see our posting guidelines.] [For those who haven’t seen it yet, here’s the link to Ross’s first post in this series.] Our net worth is what?!? I thought to... Read more »
- Reader story: “How I Bumbled Into Financial Independence”[This post is brought to you by my cousin Ross! If you’re interested in contributing at The-Military-Guide.com, please see our posting guidelines.] I knew I had a spending problem after I contemplated purchasing a new TV to avoid the hassle of calling the warranty department for a six month... Read more »
Military Guide
- Retire Early in France – Without All The TaxWe recently declared ourselves Financially Independent, which is definitely a weird and uncertain feeling. We'll likely wait a couple more years to retire early, add to our FIREhouse (ha!) savings, and augment our early retirement travel budget a bit. Even though RE is a still a little ways out, we've... Read more »
- Getting a Spanish Driver’s LicenseGetting a Spanish Driver's License is intimidating. I'll break down each step of the process and help you get on the road with your very own EU license. The post Getting a Spanish Driver’s License appeared first on The Frugal Vagabond.... Read more »
- Living Abroad: Five Essential Survival SkillsLiving abroad is as alluring as it is polarizing. Five skills that will make your life abroad a success. The post Living Abroad: Five Essential Survival Skills appeared first on The Frugal Vagabond.... Read more »
- Spanish Non-Lucrative Visa RenewalSpain can get under your skin. In the course of living here for the full first year of our non-lucrative visa, we’ve come to love our home, our city, Spanish food and culture, and most of all, the close friends… The post Spanish Non-Lucrative Visa Renewal appeared first on The... Read more »
- Surgery in Thailand: Bumrungrad International HospitalI 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 »
The Frugal Vagabond
- Financial Update for August of 2021Greetings future and current millionaires. A few years back, I wrote that I would continue to do net-worth updates until we hit the $2 million dollar mark. Well, that means that this will be my last net-worth update. Finally, a Millionaire in My Own Right As the stock market has... Read more »
- Tax Planning: 2021 Free Money!Long-overdue greetings to all my readers out there. With 2021 right around the corner, it’s a perfect time to start your tax planning for next year. You know what means, right? Yeap, it’s time for my most requested post of the year, 2021 Free Money! What Exactly Is Free... Read more »
- VideoPodcast Interview with Superb Diamond RangeGreat News: We’re Still Healthy! Warm quarantine greetings from swampy South Georgia! Tomorrow starts week 3 of no school for us (and most of the country). All in all, our daily life is pretty normal except that we no longer have jobs to report to. It’s almost like we’ve re-FIRE’d... Read more »
- Adiós 2019 y Bienvenidos 2020Okay, I know this post is late, but here it is. Before I get into last year’s accomplishments and this year’s goals, it’s worth mentioning that there are many things in life that are more important than money: family, community, faith, health, and love. As I write these words, the... Read more »
- Podcast Interview with One Million ApplesHappy New Year! I just wanted to let you know that I did an interview with Breanna Reish of the One Million Apples podcast. We talked about our 2019 hardcore savings, geo-arbitrage, my Twitter “rants,” and my never-ending obsession with Bigfoot. I hope you enjoy the interview. Gerry... Read more »
The Millionaire Educator
- mp3Video● #184: How to Build Neighborhoods AND Wealth by Remodeling Rentals - Interview with Brian GrimesEpisode #184 - Some of the oldest, rundown neighborhoods have the most opportunity. In this episode, Brian Grimes talks about returning to the neighborhoods of his youth in Philadelphia to remodel houses, improve communities, and make money as a real estate investor. COMPANION ARTICLE/SHOW NOTES: http://coachcarson.com/briangrimes __________ 💲CREATIVE FINANCING... Read more »
- mp3Video#183: Overcoming Fears to Purchase Your First Long-Distance Rental Properties - Interview with Char TovarEpisode #183 - It's natural to have fears when you begin investing in real estate. Char Tovar was no different when she began looking for long-distance rental properties. In this interview, she shares her personal concerns and how she created a plan to overcome them. She also shares the details... Read more »
- mp3Video#182: How to Quit Your Job Invest in Real Estate Full Time - Interview with Justin FosterEpisode #182 - Have you ever dreamed of quitting your job to retire or invest in real estate full-time? In this interview, Justin Foster talks about how (and why) he quit his well-paying job in his early 30s to focus more on his family and real estate investing. You'll also... Read more »
- mp3Video#181: The Untold Success Stories of Women Real Estate Investors - Interview with Liz FairclothEpisode #181 - Liz Faircloth has invested in small and large multifamily properties for the last 16 years. In this episode, she shares how she got started with a simple duplex, what struggles she and her husband/business partner went through in the 2008-2010 recession, and how they grew their cash... Read more »
- mp3Video#180: How a Guy With a Full-Time Job Invests in Rentals Long-Distance From California - Interview With Travis DodgeEpisode #180 - Not every real estate market has cash-flowing rental properties. So, one person from California named Travis Dodge chose to buy rental properties in Tennessee on the other side of the country. In this interview learn how he built a portfolio of several properties over a 2 year... Read more »
Real Estate & Financial Independence Podcast
- ● Not All Structured Notes Are Bad, But There Are Downsides To KnowEver since 2012, I’ve invested in equity structured notes to provide for some downside protection. Structured notes have sometimes gotten a bad reputation because they may be complex and expensive. However, just because you don’t understand something doesn’t mean you should burn it at the stake. In hindsight, I didn’t... Read more »
- Invest In The Single-Family Real Estate Boom Without Being A LandlordI’m bullish on single-family homes due to rising rents, rising home prices, and declining vacancies. I would buy more single-family homes, however, I’m tapped out because I just bought my third single-family home in 2020. Further, with two young kids, I’m at my energy limit in terms of being a... Read more »
- A Broken Emergency Medical System (EMS) Means Lots Of Surprise BillsWhat goes through your mind when you hear an ambulance siren? Until last year I used to think help is on the way! Now, the first thoughts that pop in my head are surprise bills and how broken the EMS system (Emergency Medical System) is in the US. Why? My... Read more »
- Why More Public Schools Will Eventually Rank Higher Than Private SchoolsEver since the college admissions bribery scandal in 2019, I’ve been patiently waiting for society to start viewing public schools in a higher light. I postulated that some public schools will eventually be viewed as more prestigious than many private schools since it’s harder to bribe your way in. According... Read more »
- Primary Residence Value As A Percentage Of Net Worth GuideGiven our primary residence is likely one of our largest assets, buying responsibly is prudent. At the same time, living a better lifestyle by owning a nicer home as we get wealthier is also something many people desire. Therefore, let’s try and figure out the target primary residence value as... Read more »
Financial Samurai
- mp3#338: Why Investors Need a Latticework of Ideas, with Morgan Housel[smart_track_player url="https://traffic.libsyn.com/secure/paulaandjaymoney/AA338.mp3" title="Why Investors Need a Latticework of Ideas, with Morgan Housel" 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" ] Here are three lessons from this conversation with investment writer Morgan Housel: Lesson #1: Great investors need patience and humility. Lesson #2: Read broadly. Don’t just read... Read more »
- mp3#337: Habits are Overrated, with Kristen Berman[smart_track_player url="https://traffic.libsyn.com/secure/paulaandjaymoney/AA337.mp3" title="Habits are Overrated, with Kristen Berman" 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" ] Meet Kristen Berman, a top researcher in the field of behavioral economics. She’s the co-founder of Irrational Labs, which designs products that are evidence-based in the behavioral sciences. Her co-founder, Dan... Read more »
- mp3#336: Ask Paula: I’m Barely Breaking Even on My Rental. Should I Sell?[smart_track_player url="https://traffic.libsyn.com/secure/paulaandjaymoney/AA336.mp3" title="Ask Paula: I’m Barely Breaking Even on My Rental. Should I Sell?" 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 and his partner have a one-bedroom condo that they rent out in Pasadena, CA. The problem? They’re barely breaking even. Should they keep the... Read more »
- mp3#335: What You Think You Want vs. What You Really Want, with Luke Burgis[smart_track_player url="https://traffic.libsyn.com/secure/paulaandjaymoney/AA335.mp3" title="What you think you want vs. what you really want, with Luke Burgis" artist="Paula Pant" social="true" social_twitter="true" social_facebook="true" social_gplus="true" social_linkedin="true" social_stumble="true" social_pinterest="true" social_email="true" ] Have you ever spent years studying the wrong major, climbing the ladder at the wrong company, chasing the wrong career? Have you spent years... Read more »
- mp3#334: Ask Paula: What Paintbrush Did Michelangelo Use? (said no one ever)[smart_track_player url="https://traffic.libsyn.com/secure/paulaandjaymoney/AA334.mp3" title="Ask Paula: What Paintbrush Did Michelangelo Use? (said no one ever)" artist="Paula Pant" social="true" social_twitter="true" social_facebook="true" social_gplus="true" social_linkedin="true" social_stumble="true" social_pinterest="true" social_email="true" ] In today’s episode, we answer three questions from a college senior named Rafael. He asks about productivity tools and tactics, student debt, Robinhood and market investing,... Read more »
Afford Anything
- mp3How to Build and Monetize a Facebook Audience: Zero to 50,000 Followers in 12 MonthsWe’ve been on a bit of an audience building kick lately in our conversations with Dickie Bush about Twitter, with Tori Dunlap about TikTok. Today you’ll meet a long-time listener of the show who built her audience on Facebook. Chantal Lavergne is the founder of FunSensoryPlay.com, which started as a... Read more »
- mp3How to Grow and Monetize a TikTok Audience: 1.6M Followers in 13 MonthsTired of toiling away on social media for lackluster results? Tori Dunlap earned her first 200,000 TikTok followers in just a couple weeks, and has added another 1.4 million since then. All that attention has helped her turn a healthy 6-figure business into a multi-7-figure operation. Tori is the founder... Read more »
- mp3Side Hustle Showdown: Buying a Business vs. Investing in Real EstateIf you’re looking to add some time-leveraged cash flow to your bottom line, two of the best options are investing in rental real estate and buying small businesses. Both are viable options, and to help you figure out if either or both of these investment options are right for you,... Read more »
- mp3Online Arbitrage: Make Money with Amazon FBA from HomeBuying products for a low price and selling them for a higher price can be a quick way to multiply money, but what if you could find profit from the comfort of your home? This is the promise of online arbitrage. Online arbitrage is the process of buying inventory from... Read more »
- mp3How to Get More Freelance Gigs: Tap Into a $2.5 Billion MarketFew words will get as polarizing a response among freelancers and side hustlers as Upwork. Depending on who you ask, it’s either a fantastic platform to connect with well-paying gigs and quality clients … or it’s a hopeless, desperate race to the bottom, overly-competitive bloodbath with no chance of success.... Read more »
Side Hustle Nation
- ● Understanding Cash Flow: Are Your Properties Really Profitable?Cash flow is defined as how much rental income is left over after all expenses are paid on a rental property. Here's how to calculate it.... Read more »
- ● Socially Conscious Investing: How to Start a Sober Living HomeWho says you can’t manage rental properties and do some more socially conscious investing at the same time?... Read more »
- ● BiggerPocket Money Podcast 233: How to Financially Plan for 2 Special Needs Family MembersLife can be challenging at times. When you think you’re in a stable spot, the universe tends to throw you one (or many) curveballs. In the realm of financial education, […]... Read more »
- BiggerPockets Podcast 507: Sacrifice, Failure and Pain, A 100 Days of Hell Success Story with The Iron CowboyFinishing a triathlon is a grueling achievement, only accomplished by those who are in peak physical and mental condition. Once finished, the top of the top go on to train […]... Read more »
- Rookie Podcast 114: Rookie Reply: Should I Get Preapproved From Multiple Lenders?This week’s question comes from Roosevelt on the Real Estate Rookie Facebook Group. Roosevelt is asking: I’m currently preapproved with one lender but another lender has a loan option my […]... Read more »
The BiggerPockets Blog | Real Estate Investing & Personal Finance Advice
- Coffee Enjoyment From Different MakersInspired by semi-rad.com, check him out for funny stuff. Subscribe To New Posts Here! The post Coffee Enjoyment From Different Makers appeared first on Accidental Fire.... Read more »
- Travel Now, Your Health Depends On ItWe wandered the streets of Belmopan looking for a place to eat, and as we approached the main square we heard shouting and chanting. After a morning of cave diving and an afternoon of mountain biking, we just wanted some... The post Travel Now, Your Health Depends On It appeared... Read more »
- T.G.I.F. Friday: Volume 51Welcome to “Thank God I’m FI” Friday, Volume #51! In the unbelievable news category, I’ve been nominated for a Plutus Award this year for Blog Of The Year! To anyone out there who took time to vote for me I... The post T.G.I.F. Friday: Volume 51 appeared first on Accidental... Read more »
- Overcome Imposter Syndrome With UniquenessThe other day on my run a Bob Dylan song came on, followed by ones from Tom Petty and Stevie Nicks. During the Stevie song I thought how all three of them – Dylan, Petty, and Nicks, would have never... The post Overcome Imposter Syndrome With Uniqueness appeared first on... Read more »
- Updating My Net Worth And Having Some RegretsIt’s been a long time since I’ve done an update of my overall net worth. As a matter of fact, in almost 4 years of blogging I’ve done exactly two of those and the last was pre-pandemic. A reader recently... The post Updating My Net Worth And Having Some Regrets... Read more »
Accidental Fire
- First time homebuyer savings accounts, part 3 (Alabama, Mississippi, Montana)Become a Patron!This is my third and final post about first-time homebuyer savings accounts, a tax dodge that seems to have swept the nation a few years ago, with several states setting up similar-but-not-identical versions of the gambit, with vastly varying value based on income restrictions, time and contribution limits,... Read more »
- First-time homebuyer savings accounts, part 2 (Virginia, Colorado, Minnesota, Iowa, Idaho)Become a Patron!I recently wrote in detail about the first-time homebuyer savings account tax deduction offered by the state of Oregon, and promised a followup with an assessment of similar accounts offered by other states. If you haven’t read that post, then you should probably start there, since the concepts... Read more »
- Oregon first-time home buyer savings accounts: is the juice worth the squeeze?Become a Patron!One of the most interesting things about the US banking system is just how decentralized it is. While most developed nations have just a handful of major banks, the United States pairs those nationwide behemoths with thousands of smaller banks and credit unions that may serve an area... Read more »
- Understanding the latest two rounds of EIDL AdvancesBecome a Patron!Last May I shared my successful Economic Injury Disaster Loan experience, which included a $1,000 “EIDL Advance” that doesn’t have to be repaid and a $3,000 30-year low-interest loan. It took about a month and a half for the money to show up in my checking account, but... Read more »
- Why is there a private market in long-term care insurance?Become a Patron!This is a question I’ve been thinking about lately while working on another project, and I want to walk through my thinking so far to see if any readers want to provide any additional insight. Long-term care is very expensive, but not everybody needs itDue to search-engine optimization... Read more »
Independently Financed
- We Made a New Haircut Tool: The HairFin!As a kid, my mom cut my hair with her trusty clippers. In college, I picked up a pair of clippers and learned to cut my own hair. Soon I found myself cutting friends’ hair in the dorms. Clippers made … Continue reading → The post We Made a New... Read more »
- How Much Can a Greenhouse Extend the Growing Season?Last year I designed and built a hoop house for around $650 in materials. I didn’t want to waste money heating the thing, so the plan was to keep it passive. Since I never worked with an unheated greenhouse before, … Continue reading → The post How Much Can a... Read more »
- Should I Pay Off My Mortgage?Having a paid off house has always been a goal. Living mortgage-free sounds awesome, but it can also put the brakes on financial growth. Any money put toward home equity is robbing investment accounts of hard working capital. After years … Continue reading → The post Should I Pay Off... Read more »
- How to Get Started Hunting MushroomsI love hiking in the woods, racing to the top of a mountain to take in a satisfying view. Lately however, I’m less interested in flying up rocks and roots to see the world from afar. I’ve found an even … Continue reading → The post How to Get Started... Read more »
- Reflecting on Two Years of Early RetirementFor 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 »
Mr Crazy Kicks
- How to Prepare for Life After ResidencyBurnout and Finance I was recently asked to speak to a bunch of medical residents about my story of burnout and my general philosophy on finance and life. I declined for a variety of reasons, but upon reflection I realized that this was a topic I had not addressed. This... Read more »
- A Podcast, Guest Post, and Random MusingsHey 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-TimeAs 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 »
The Happy Philosopher
- Embracing LifeThis time last year, I was talking about trying to get on board with the MFLC and figure life out from there. I had some things I was working on and damn if I haven’t gotten any to fruition. It seems frustrating and it can be, but if you remember... Read more »
- Life Can Be SO “Overwhelming”: How I Tame ItNow that I’m back to just having a single source of income, my adjunct position, I immediately have a crazy sense of pressure to “get back earning”, and “get a job” or “create a job” or “hit it big with day trading”, as soon as I study up a little... Read more »
- Do You Take Payment in Soul Currency?Last week at some point, Angela from Tread LIghtly Retire Early tweeted about giving time versus money and it reminded me of what I did with my time when I wasn’t working. I found my time that I give is rewarded so much more in “soul currency” than money. If... Read more »
- What to Do, What to Do?With all of this change that’s come about in the past couple of years, I figured I should revisit the “plan” since my retirement and savings got halved. I can’t say there are many complaints, considering how much we’d saved, so my half is a nice chunk of change. I... Read more »
- Time To Move On, Again…Last year was one for the record books in so many ways. And literally, one for the record books in so many ways that none of us want to remember. For me, it was the first time since I was 15 that I was unemployed. Like for real unemployed, not... Read more »
Slowly Sipping Coffee
- Practicing with the Complaining HabitBy Leo Babauta We often can spot complainers, when it’s other people — they’re the kind of people who always seem to be complaining, negative, stuck in victimhood. It’s harder to see it when we’re the ones who are complaining so often. And in fact, in my experience most of... Read more »
- The Tragedy & Liberation of DeathBy Leo Babauta Last week, my brother was hit by an unimaginable tragedy: he lost his 3-month-old baby Tyler. I’m still in shock and heartbreak, coming to terms with it. My heart is broken for him, for all of our family, and for this terrible loss. I didn’t know Tyler,... Read more »
- Expanding Our Capacity to Be With ChaosBy Leo Babauta We don’t like chaos. It is uncertainty, overwhelm, a feeling of groundlessness, being unmoored, out to sea without a compass. And it usually triggers a shut-down response in us: hide, avoid, procrastinate, try to get control, anxiety, or wanting to give up. Or not wanting to even... Read more »
- Practice: Grounding Yourself When Life is ChaoticBy Leo Babauta Lately my life has felt pretty chaotic: lots of projects, calls, and creation, along with helping loved ones with things, and preparing to move once again to a new home. Chaos can be beautiful! And I’m embracing it. But it can be hard to embrace chaos when we’re... Read more »
- Staying Light & Flexible While TravelingBy Leo Babauta Earlier this week, Eva and I hopped on a last-minute flight to take care of some family business. We each had our lightweight backpacks and nothing else, so it was a relatively easy trip. On the flight back, I reflected on how flexible we had to be... Read more »
zen habits
- The Cheat Codes of FIFor 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 REBack 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 FIThis 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 »
Financial 180
- We’re Moving! New Website!All new episodes and content can be found at earnandinvest.com. See you there! The post We’re Moving! New Website! appeared first on DiverseFI.... Read more »
- 128. You Can Destroy Student Loan DebtEarn & Invest I am proud to release episode 128 of The Earn & Invest Podcast. This podcast is an exploration of personal finance, financial independence, and taking the conversation to the next level.... The post 128. You Can Destroy Student Loan Debt appeared first on DiverseFI.... Read more »
- Video127. Why Now Is The Time To Start Your BusinessEarn & Invest I am proud to release episode 127 of The Earn & Invest Podcast. This podcast is an exploration of personal finance, financial independence, and taking the conversation to the next level.... The post 127. Why Now Is The Time To Start Your Business appeared first on DiverseFI.... Read more »
- 126: How To Align Your Passion and TalentEarn & Invest I am proud to release episode 126 of The Earn & Invest Podcast. This podcast is an exploration of personal finance, financial independence, and taking the conversation to the next level.... The post 126: How To Align Your Passion and Talent appeared first on DiverseFI.... Read more »
- 125: Is Saving For Retirement Money Jail?Earn & Invest I am proud to release episode 125 of The Earn & Invest Podcast. This podcast is an exploration of personal finance, financial independence, and taking the conversation to the next level.... The post 125: Is Saving For Retirement Money Jail? appeared first on DiverseFI.... Read more »
DiverseFI
- ● What backup power to get - solar power or gas powered?Looking to get a backup power generator, considering gas power or solar power. What would you recommend? The residential house (not a vacation...... Read more »
- ● Plumbing QuestionI live on a high floor in a 31-story high rise building and I'm in the process of going through a bathroom renovation. I've lived here for about 20...... Read more »
- ● Inheriting money in an IRAMost of my money is in my IRAs. Can someone explain in really simple language what the people in my will have to do in order to get the money. Is it...... Read more »
- Planning tool for inherited IRA?DW has an inherited IRA, & we're trying to figure how to comply with and implement the 10 year rule for liquidating it. Many unknowns, of course,...... Read more »
- Gift to kids or leave in Roth for inheritance?Have 3 kids under 30. I suspect at some point we will conclude that we have more than we need. I'm weighing gifting to kids while we are still...... Read more »
Early Retirement & Financial Independence Community
- The 14 Best Investment Apps for Growing Your MoneySmartphones make it easy to access information at any time, and what better way to make use of technology than to grow your money? Today, there are a number of awesome investing apps that are perfect for growing your own portfolio, even if you’re starting from scratch. In the past,... Read more »
- Groundfloor Review: Real Estate Investing Starting at $10Real estate is one of the most popular alternative investments, and for good reason. Countless millionaires and billionaires have built their wealth by investing in real estate. While real estate is a proven way to grow your net worth, it’s not always convenient or accessible. There are several different ways... Read more »
- The Best Books on Building WealthBuilding wealth and achieving true financial freedom is a primary goal for a lot of people. And yet, it seems that very few are actually making this goal a reality. Whether you find yourself frequently struggling to save money and stuck in an endless cycle of financial hardships or you’re... Read more »
- 30 Realistic Ways to Make an Extra $1,000 per MonthWhat would an extra $1,000 per month mean to you? For many people, it could: Cover your rent (or part of it) Allow you to leave a job and stay home with your kids Help you to pay off student loans, credit cards, or other debt Allow you to build... Read more »
- Robinhood vs. Public.com: Head-to-Head ComparisonToday, investing in the stock market is more accessible to retail investors (people like you and me) than ever before. Thanks to investment apps and online brokerages, you can easily place commission-free trades from your smartphone. Two of the most popular investing apps are Robinhood and Public.com. If you’re unsure... Read more »
Vital Dollar
- ● Investing in Precious Metals: Is It Right for You?Are you looking for a hedge against inflation? Or do you need to diversify your holdings? If so, then investing in precious metals could be ... Read More... Read more »
- ● Review: ‘Copshop’ Boasts a Grimy Old School Feel and Some Ambiguous PoliticsThere was a moment in watching Copshop when I found myself trying to find out the two title pitch that made it come to fruition, and I ... Read More... Read more »
- ● What Is the Going Rate for Babysitting Right Now?Whether you need a trustworthy babysitter for a date night, special occasions, or for long-term work, you are probably wondering, “What is the going rate ... Read More... Read more »
- ● What Happens to Credit Card Debt When You Die: Get the Knowledge to Protect Your AssetsWhat happens to credit card debt when you die is a question that may seem difficult to answer. The last thing you want to do ... Read More... Read more »
- Review: ‘The Good House’ Can Be Fun, But Lacks Real DepthWhen Fleabag surged to the forefront of the conversation with its edgy fourth-wall-breaking protagonist, the handwriting was on the wall. Just a few weeks ago ... Read More... Read more »
Your Money Geek
- mp3Episode 232- How You Can Make More Money, Have More Impact, And Thrive In The Corporate World With Dorianne St. Fleur(This post may include some affiliate links) Dorianne St. Fleur, author of “Deeper Than Work: How Women of Color Can Make More Money, Have More Impact, and Thrive in the Corporate World,” joins the podcast to talk about how women, and Women of Color specifically, can leverage their 9-5 Corporate... Read more »
- mp3Episode 231- Minimalism: A Guide To Living With Less So That You Can Have More With Christine Platt, The Afrominimalist(This post may include some affiliate links) Christine Platt, author of ‘’The Afrominimalist Guide To Living With Less,’ and pioneer behind The Afrominimalist, joins the podcast to talk about how she’s carving out space for BIPOC within the minimalist movement. We discuss her journey towards living with less and how... Read more »
- mp3VideoEpisode 230- Reaching Financial Independence And Investing $750,000 After Divorce With Dr. Lakisha Simmons(This post may include some affiliate links) Dr. Lakisha Simmons, fellow Journeyer and author, joins the podcast to share her inspirational story from growing up with almost nothing to saving & investing $750,000 in 4 years & reaching Financial Independence at 41 years old. We discuss how she was able... Read more »
- mp3VideoEpisode 229- An Introduction to REITS With Andre Albritton(This post may include some affiliate links) Andre Albritton, founder of The Millennials Next Door and The Flavor Podcast, educates us on REITs, aka: Real Estate Investment Trusts. With the 2021 real estate market booming and millions of millennials looking to “get in” on the crest of the wave, Andre... Read more »
- mp3VideoEpisode 228- Everything You Need To Know About Student Loan Repayment W/ Travis Hornsby(This post may include some affiliate links) Travis Hornsby, founder and owner of Student Loan Planner, takes us through the often overwhelming and confusing world of student loan repayment plans. With new government updates happening each month, it’s important to stay on top of the various options available to you.... Read more »