+

    Mr. Money Mustache

  • VideoThe Self Educating Child
    So 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 Purchase
    So, 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 2021
    A close friend of mine was diagnosed with cancer this year. It was the serious kind, where you need to treat it quickly and aggressively or it will spread through your body, stick to all of your organs, and kill you. The diagnosis was a shock to my friend and... Read more »
  • Two Years Without Health Insurance (and What I’m Doing Now)
    Two years ago, I was unsatisfied with my options for health insurance. The premiums were rising even as the quality dropped in the form of an ever-increasing deductible. I am guessing that you might feel the same way these days – most of us Americans are in the same boat.... Read more »
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    Financial Independence / Retire Early

  • Books written by people who have actually FIREd
    Can I get some help collating a comprehensive list of books written by people who have FIREd (or who are at least working towards FIRE)? With the help of r/FIREUK I have this so far. I’m keen to get your suggestions for additional books and your thoughts on each book.... Read more »
  • Financial Dependence vs Financial Independence and the struggles
    The majority of my friends at this point in my life are not interested in finance and investments and would have a hard time connecting with any of them on financial matters. None of them understand the concept of financial independence and retiring early. In fact, all of them are... Read more »
  • Weekly FI Frugal Friday thread - May 07, 2021
    Please use this thread to discuss how amazingly cheap you are. How do you keep your costs low? How do become frugal without taking it to the extremes of frupidity? What costs have you realized could be cut from your life without pain? Use this weekly post to discuss Frugality... Read more »
  • Daily FI discussion thread - Friday, May 07, 2021
    Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Have a look at the FAQ... Read more »
  • Buying A Rental Property With IRA (To Cut Stock Exposure)
    My wife and I just closed on our first rental property purchased via one of our IRAs. I searched the sub and the last post on the subject seems to be 7 months ago with the feedback being that it was difficult to do this. Our experience was the exact... Read more »
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    Early Retirement Extreme

  • When To Retire? – Try Age 35
    This guest post is from Todd Tresidder who retired at age 35… 13 years ago. He wrote a book teaching you when to retire and publishes the web site FinancialMentor.Com providing various retirement planning tools including articles and calculators. I retired at age 35 (I’m now 48) and learned a... Read more »
  • Upgrade your music collection with quality headphones
    I just spent money on a “want” for the first time in over six months(*). Obviously I had a bit of a streak going there, so what caused me to break it? A new pair of headphones that’s what. I just bought a pair of Grado SR60 headphones and compared... Read more »
  • Zero-sum games
    Game theory is the mathematical description of the structure of strategic decisions when the choices of two agents directly influence the other. Much work has been dedicated towards finding optimal strategies; in fact much military and political strategy is built on mathematical foundations, but it also governs economic decisions. Consequently... Read more »
  • 15 baby steps towards voluntary consumerism
    Lately I has been made clear to me that a life without buying things can not possibly make me happy. For one, I also realized that people would have a hard time knowing what I stand for when I do not associate myself with brand name lifestyles(*). It has also... Read more »
  • VideoTravel, tourism, and living abroad
    A couple of weeks ago I posted the controversial statement that travel is not worth it. This elicited many comments and so it is obviously something people feel strongly about. I think, therefore, I should clarify things a bit. First some definitions: Travel: The process of getting from point A... Read more »
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    Go Curry Cracker!

  • 8 Years of Early Retirement Tax Optimization
    2020 was our 8th full year of this thing we do. It’s been an incredible ride – we’ve traveled, adventured, and procreated, with the best yet to come. We’ve also done a fair amount of tax optimization, paying little tax each year while taking steps to minimize future taxes. Do... Read more »
  • Go Curry Cracker 2020 Taxes
    2020 was an interesting year in many ways including all things taxes… I mean, we paid $0 in income tax (again) on ~$143k income. This was in part because dividends and blog revenue were lower due to COVID-19, which is a bummer. But it is also because we welcomed another... Read more »
  • Go Curry Cracker Asset Allocation 2021
    We have been living off our portfolio for over 8 years now, since late 2012. For the 1st 6 years I made only minor adjustments – annual rebalancing, minimizing long-term taxes with capital gain harvests and Roth conversions, and adding the occasional small chunk of fresh capital as blog income allowed. But... Read more »
  • Award Travel Series: Getting to Hawaii for Free with Ultimate Rewards
    Advertiser Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CardRatings.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Opinions, reviews, analyses... Read more »
  • Go Curry Cracker Coin (April Fools)
    Odds are that by now you have heard of Bitcoin or some of the other higher profile cryptocurrencies, e.g. Ethereum, Litecoin, Ripple, etc… Today I want to introduce you to the latest and hottest cryptocurrency, Go Curry Cracker Coin! Go Curry Cracker Coin The idea of Go Curry Cracker Coin... Read more »
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    1500 Days to Freedom

  • March 2021 Performance Update: Trailer Park Post-Mortem
    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 »
  • 10 Questions With Financial Fives
    Today’s edition of 10 Questions features Gary Grewal from Financial Fives. My favorite line from Gary’s interview is this one: I hope one day it’s as normal to talk about money as it is about the weather! If we were all more open about money, consider how much better the... Read more »
  • The $1,000,000 Question
    The 1500 house has been bustling with activity lately. Mindy and I have decided that we’re going to finish our current remodeling projects and then take a break. We’ll resume in the fall when the girls are back in school. Getting our place to a good stopping point has taken... Read more »
  • Guest Post: Turning “What If?” Into “Why Not?”
    One of the most fun parts of FIRE Life is meeting with fun people who pass through town. A couple of years ago, I met Tina. We talked about FIRE, bikes, and ate subs late at night. (I highly recommend the Grape Ape from Cheba Hut). I was supposed to... Read more »
  • Introducing The FIRE Olympics
    I have something amazing to tell you about today. After more than two years of planning, I’m thrilled to be the first to let you know about an incredible event that will take place this summer: Longmont Colorado, arguably the epicenter of the FIRE movement, will host the first-ever, FIRE... Read more »
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    Millennial Revolution

  • Reader Case: Producers Dreaming of Partial FIRE
    Hey all! It’s Friday, so you know what that means…another Reader Case! Hi FIRECracker & Wanderer,  Thank you so much for all you’ve written. I read your book and then found my way to the blog, and have been learning so much! My fiance and I have been planning our... Read more »
  • Is Joe Biden coming for your Money?
    US politics has been admittedly kind of boring lately, with the current US president just “going to work” and “doing his job” rather than “threatening to nuke a hurricane” on a daily basis, but I thought it was time to check in with what good ol’ J to the B... Read more »
  • Reader Case: Semi-Retired Couple Wants a Condo
    I can’t believe I’m saying this, but as of this moment, we’re STILL in a lockdown in Toronto. While the US, countries in Europe, and the UK are gradually re-opening, we’re stuck waiting for vaccines. So much for our Canadian moral superiority over the Americans. I guess what’s bad for... Read more »
  • Does FIRE Prevent Divorces?
    In my last post about not losing yourself in retirement, reader Steve posted an interesting question in the comments: “Any thoughts on the FIRE couples that get divorced? One would think that not having money issues (the #1 stressor for married people) and achieving a monumental goal together would strengthen... Read more »
  • FIREDating App’s Creator Speaks Out
    I’ve covered the FIREDating app a few times now, once when I discovered it back in the summer of 2020 and again when I learned that two of our readers actually learned about the app on this blog, and then ended up getting together. But whoever made it always remained... Read more »
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    Can I Retire Yet?

  • The Next Bear Market: How Bad Could It Get?
    In November of 1972 the Dow Jones Industrial Average closed at a little above 1,000 points. Then it went down, and stayed mostly down, for the next ten years. While the Dow sat still, life went on…. The first U.S. space station and shuttle were launched. The Watergate scandal came... Read more »
  • April 2021 Best of the Web
    This months selections start off with a few perspectives on investing through challenging times. Improving investment performance by picking the best stocks or sectors or timing the market is challenging at best. A better approach to improve your financial performance is to focus on decreasing your tax burden. We have... Read more »
  • The 6 Stages of Retirement
    In his book The Second Mountain, David Brooks describes “Vampire Problems.” These are transformative choices you have to make in one stage of life. They require guessing what you’ll want and like in a later stage of life.  The book in general, and that concept specifically, wasn’t about retirement. However,... Read more »
  • How To Monitor Your Investments
    Managing your investments is easier than most people think. It does require developing a system to monitor your investments. This enables you to make optimal portfolio management decisions with minimal effort. Let’s look at why you should monitor your investments, what metrics you should track, and how you should track... Read more »
  • A Cost/Benefit Analysis of the RV Lifestyle
    Darrow’s articles about traveling in a Recreational Vehicle (RV) in retirement have been popular on this blog over the years. Pursuing an adventurous RV lifestyle is something many people dream about doing with their increased time freedom in retirement. I’m one! I invited Mary, who writes at the blog Reflections... Read more »
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    Root of Good

  • April 2021 Early Retirement Update
    How does every month fly by so fast? Is it really May already?! I'm going to hit the pause button for a minute and reflect on the last month.  It was a very busy month for us. The kids had spring break in early April with lots of fun times... Read more »
  • March 2021 Early Retirement Update
    Well folks, here we are in April. It's no longer winter but it's not quite summer yet. Maybe we'll enjoy a little bit of spring before the heat sets in? Right now we're suffering through the horrible intermediate phase of "pollen season" here in North Carolina. It lasts a week... Read more »
  • Confessions Of A Frugal Millionaire
    Unless you are an heir to a big fortune or you have won the lottery, you have to work hard to have money.  To accumulate wealth, you have to make more money than you spend.  The key is to keep your expenses low.  And there will be sacrifices.  Nothing crazy... Read more »
  • February 2021 Early Retirement Update
    Time flies when you're having fun, right? Although in the case of February I think it flew by because it's the shortest month of the year. Only 28 days! Here we are in March, just a couple of weeks away from the official start of spring.  I'm looking forward to... Read more »
  • January 2021 Early Retirement Update
    Y'all still having fun out there? At this point of the year we are officially more than half way through winter. Spring is just around the corner! Here in North Carolina, January was more wet than cold for us. Although we did get a light dusting of snow that lasted... Read more »
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    Frugalwoods

  • This Month On The Homestead: Starting Seeds and Picking Flowers
    April 2021: The End of Sugaring Season Final maple syrup count: we made 19 quarts this year! Our sugaring season is over, thanks to the weather warming up, the trees starting to bud out and–crucially–the fact that we ran out of the filters we use to sift sediment out of... Read more »
  • How We Buy Cheap Prescription Glasses Online That Fit
    Did you know you can buy prescription glasses online? You can! And did you know they are WAY cheaper than glasses bought in a store? They are! Buying glasses (and sunglasses) online is one of those super easy to implement frugal substitutions I love talking about. A frugal substitution is... Read more »
  • Reader Case Study: Breaking the Cycle of Financial Instability
    Kayla and her partner Lauren live in Charlotte, NC with their two dogs and one cat. They both work in banking–at the same bank, in fact–and are feeling settled in the home they bought in 2019. Very soon, they plan to have children, which has them reflecting on their financial... Read more »
  • This Month On The Homestead: A Patch of Grass, A Gallon of Maple Syrup and Some Lambs
    March 2021 Grass! Grass! In March, we found a patch of grass and stomped around on it for five hours straight. It snowed again a few days later and stole away our grass patch, but we were warmed by the memory of our early spring reverie. Join Me on Zoom... Read more »
  • Baby Chicks And Other March 2021 Expenditures
    We’re getting chickens. When we moved to our homestead in May 2016 with a six-month-old Kidwoods, we made a pact to not get farm animals until our human animals were more self-sufficient. Littlewoods was born in February 2018, which restarted the human baby self-sufficiency clock. Now that our human babies... Read more »
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    JLCollinsnh

  • The Alfred Hitchcock Path to FI
    Running from 1955 to 1965 Alfred Hitchcock, the famous director of The Birds and Psycho, had a weekly TV series. It was focused on crime, mostly murder. If you have cable, you can catch these as reruns even today. It is surprising how well they hold up, at least for... Read more »
  • Time to sell?
    Story goes that back in 1929 Joseph Kennedy was getting his shoes shined and the shoeshine boy began offering him stock tips. Kennedy promptly returned to his office and sold all his shares. The market crashed and the cash he was sitting on suddenly became the most valuable thing you... Read more »
  • Mariah International: All that glitters…
    This… Is in here… All this excitement surrounding GameStop of late has made me a bit nostalgic. It brings back memories, although not necessarily good ones. Still, time passes, wounds heal and we can look back on our foibles with perspective if not humor. Nothing is more intoxicating than picking... Read more »
  • Season’s Greetings!!
    Before the day slips away I just wanted to take a moment to wish you and yours….   A very  Merry Christmas  and a  Wonderful Holiday Season   Here’s to a  Happy, Healthy(!) and Prosperous New Year!     The post Season’s Greetings!! appeared first on JLCollinsnh.... Read more »
  • How to give when you have a business
    A few years back, three very different things happened and, to the best of my recollection they didn’t happen all that close together.  First, in 2012, I wrote the post How to Give Like a Billionaire. In it I described how to use Donor Advised Funds (DAF) to maximize your... Read more »
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    Mr. Free At 33

  • Time to Buy This Cheap Dividend Aristocrat? (Crazy 12.8% Dividend Growth)
    Dividend Aristocrats are stocks that have increased their dividends for 25 or more consecutive years. They’re basically the cream of the crop when it comes to dividend growth stocks. After all, in order to fund a reliable, rising dividend for decades, you must have produced reliable, rising profits for decades.... Read more »
  • This Dream Stock Is Dirt Cheap And Rated A Strong Buy
    Would you like to own a slice of one of the best businesses in the world? Want a market-beating yield with double-digit growth? Like the idea of so much demand for a company’s products and services that its backlog exceeds its market cap? Well, this stock offers all of that... Read more »
  • How Many Stocks Should You Hold In Your Portfolio?
    I’ve received one question from other investors maybe more than any other question. That question is this: How many stocks should I own in my portfolio? It’s a great question. And it’s one that I’m answering today. For more on how many stocks you should hold in your own portfolio,... 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 »
  • This Stock Is Giving Its Investors A 17% Dividend Raise
    Dividend growth investing is a no-brainer investment strategy. Dividend growth stocks are some of the very best long-term wealth growers in all of the stock market. There’s nothing out there that offers the passivity of dividends. And high-quality dividend growth stocks are typically increasing their dividends at rates greatly exceeding... Read more »



    +

    The Wealthy Accountant

  • The Two Biggest Risks of Owning Bitcoin and Other Cryptocurrencies
    The excitement of bitcoin and other cryptocurrencies has risen to the height of the casino run. The house holds the odds, but for the moment, the card gods are looking kindly upon the gambler. Some say the run has just begun. As I write, bitcoin is north of $50,000 with... Read more »
  • The Power of a Vacation
    The backbone of financial wealth is built on hard work. Yet, physical, mental, spiritual and financial wealth cannot coexist with uninterrupted labor. Every business owner knows, or should know, the power of a vacation. And if you want optimal health and wealth, you better know, as well.... Read more »
  • 31 Frugal Tips and Tricks
    Frugality is the animal that must be bred to achieve financial goals. There is no amount of income that can't be spent, and then some. If you don't believe that, take a long look at the U.S. government to get a view of an amount of money that can be... Read more »
  • Why Cheating on Your Taxes Costs More
    This past week an old story was refreshed for me. A tax office that handles mostly simple tax returns for a very low price and gets paid mostly cash might not be claiming all that income. A previous employee of that firm informed me over $300,000 in cash was kept... Read more »
  • How Much Should You Pay for Tax Preparation?
    How much are you really paying for tax preparation? What if I told you there was a hidden fee in your tax preparation bill. This hidden fee costs you serious money every time you file your taxes. This hidden fee shows up even when you prepare your own tax return.... Read more »
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    Our Next Life

  • The Value of a Long Break
    I'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 Inequality
    My last post was about how the discourse of the FIRE community upholds systemic racism, but today's is much more personal. This is about how our choices as individuals -- as investors, as people choosing where to live, as earners, as tax payers and as charitable givers -- impact and... Read more »
  • How the Personal Finance Sphere Upholds Systemic Racism
    It's deeply uncomfortable for a lot of us, white Americans especially, to talk about race. But if we care about helping people with their finances, or about not upholding systemic racism built into our system, we have no choice but to talk about it. Here is the tough but necessary... Read more »
  • Recession, Coronavirus and the Future of FIRE
    We're in an unprecedented moment in history, with people staying home, businesses closed, stock markets going for a wild ride, and most of all, fear for our lives as the coronavirus pandemic worsens. What does all of this mean for the FIRE movement? What does it mean for you? Read... Read more »
  • Doing the Thing That Scares You
    One of the biggest things I've discovered in the last year is how badly I still want to be challenged despite having left my career behind. In fact, I want it so badly that I'm having to redefine what "challenge" even means to me. A real challenge involves some risk,... Read more »
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    Our Next Life

  • The Value of a Long Break
    I'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 Inequality
    My last post was about how the discourse of the FIRE community upholds systemic racism, but today's is much more personal. This is about how our choices as individuals -- as investors, as people choosing where to live, as earners, as tax payers and as charitable givers -- impact and... Read more »
  • How the Personal Finance Sphere Upholds Systemic Racism
    It's deeply uncomfortable for a lot of us, white Americans especially, to talk about race. But if we care about helping people with their finances, or about not upholding systemic racism built into our system, we have no choice but to talk about it. Here is the tough but necessary... Read more »
  • Recession, Coronavirus and the Future of FIRE
    We're in an unprecedented moment in history, with people staying home, businesses closed, stock markets going for a wild ride, and most of all, fear for our lives as the coronavirus pandemic worsens. What does all of this mean for the FIRE movement? What does it mean for you? Read... Read more »
  • Doing the Thing That Scares You
    One of the biggest things I've discovered in the last year is how badly I still want to be challenged despite having left my career behind. In fact, I want it so badly that I'm having to redefine what "challenge" even means to me. A real challenge involves some risk,... Read more »
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    Our Next Life

  • The Value of a Long Break
    I'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 Inequality
    My last post was about how the discourse of the FIRE community upholds systemic racism, but today's is much more personal. This is about how our choices as individuals -- as investors, as people choosing where to live, as earners, as tax payers and as charitable givers -- impact and... Read more »
  • How the Personal Finance Sphere Upholds Systemic Racism
    It's deeply uncomfortable for a lot of us, white Americans especially, to talk about race. But if we care about helping people with their finances, or about not upholding systemic racism built into our system, we have no choice but to talk about it. Here is the tough but necessary... Read more »
  • Recession, Coronavirus and the Future of FIRE
    We're in an unprecedented moment in history, with people staying home, businesses closed, stock markets going for a wild ride, and most of all, fear for our lives as the coronavirus pandemic worsens. What does all of this mean for the FIRE movement? What does it mean for you? Read... Read more »
  • Doing the Thing That Scares You
    One of the biggest things I've discovered in the last year is how badly I still want to be challenged despite having left my career behind. In fact, I want it so badly that I'm having to redefine what "challenge" even means to me. A real challenge involves some risk,... Read more »
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    Early Retirement Extreme Forums

  • Money Questions • Re: Examining Inflation
    We do have UBI, for traditional retirees.Technically that's not UBI. UBI means every adult gets a check regardless of employment status; there's no mean testing. Social Security is for retirees only.Statistics: Posted by Campitor — Fri May 07, 2021 9:57 pm... Read more »
  • ERE Journals • Re: mountainFrugal Journal
    Welcome!Statistics: Posted by RoamingFrancis — Fri May 07, 2021 8:43 pm... Read more »
  • ERE Journals • Re: Western Red Cedar's Journal
    This is a great koan for me to reflect on; thank you for sharing. I've been resistant to small business ownership because the business world usually clashes with my values, but it may be part of the next step of my journey.Statistics: Posted by RoamingFrancis — Fri May 07, 2021... Read more »
  • Money Questions • Re: Green Tech Future Revival?
    @Alphaville, I think that was one of the lowest usage months ever for us. When AC is off, biggest loads are 2 refrigerators, well pump, lights, washing machine, dish washer and some small appliances, including toaster oven. Furnace, water heater and stove are all gas. Dryer is also gas, but... Read more »
  • ERE Journals • Re: Western Red Cedar's Journal
    I think there are many similarities between ERE and dirtbagging. I was a pseudo-climbing dirtbag for my early 20s traveling and climbing all over North America living out of my car/tent. When I first found the ERE book, I was like O! of course this lifestyle exists for other reasons.... Read more »
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    Early Retirement Extreme Forums

  • Money Questions • Re: Examining Inflation
    We do have UBI, for traditional retirees.Technically that's not UBI. UBI means every adult gets a check regardless of employment status; there's no mean testing. Social Security is for retirees only.Statistics: Posted by Campitor — Fri May 07, 2021 9:57 pm... Read more »
  • ERE Journals • Re: mountainFrugal Journal
    Welcome!Statistics: Posted by RoamingFrancis — Fri May 07, 2021 8:43 pm... Read more »
  • ERE Journals • Re: Western Red Cedar's Journal
    This is a great koan for me to reflect on; thank you for sharing. I've been resistant to small business ownership because the business world usually clashes with my values, but it may be part of the next step of my journey.Statistics: Posted by RoamingFrancis — Fri May 07, 2021... Read more »
  • Money Questions • Re: Green Tech Future Revival?
    @Alphaville, I think that was one of the lowest usage months ever for us. When AC is off, biggest loads are 2 refrigerators, well pump, lights, washing machine, dish washer and some small appliances, including toaster oven. Furnace, water heater and stove are all gas. Dryer is also gas, but... Read more »
  • ERE Journals • Re: Western Red Cedar's Journal
    I think there are many similarities between ERE and dirtbagging. I was a pseudo-climbing dirtbag for my early 20s traveling and climbing all over North America living out of my car/tent. When I first found the ERE book, I was like O! of course this lifestyle exists for other reasons.... Read more »
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    Done by Forty

  • No Job. New Plan?
    It's been a couple months since my sudden retirement, readers, and the days have been calm. Rewarding, even. This is the type of balance I need, at least while the pandemic drags on, Mrs. Done by Forty continues to work, while nearly nine months pregnant, and Toddler AF seeks our... Read more »
  • VideoIs $400k Middle Class? Income Quintiles: 2021 Update
    2021 is determined to deprive us of nice things, so some tired click bait has been making the rounds again: claiming that a $400k income somehow qualifies as middle class in some coastal cities. I don't have to link to this junk, right? No, I don't. We won't. We don't... Read more »
  • A Kinder Means Testing
    Now that congressional Democrats have moved past the Republican's latest political showboating (this time in the form of a twelve hour vote-a-rama) the non-fascist party can move forward with a COVID relief bill. They'll likely do so through reconciliation, a process that allows certain bills to pass with only 51 votes in... Read more »
  • And I'm Out
    I wasn't sleeping, and for the usual reason. I was so stressed from work most nights, thinking about deadlines I wasn't able to meet and the series of conversations I'd need to have explaining when we could deliver, that I couldn't turn my brain off enough to relax & doze... Read more »
  • Baby, Baby
    Like so many other Americans, we celebrated a bit these past couple weeks. We felt some relief that a (too-small) majority of Americans made a choice for competence, decency, and democracy. And because of that, we're allowing ourselves to feel a little hope, too.It's premature. The primary problem with voting... Read more »
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    Budgets Are Sexy

  • Net Worth Report #8 “Garden Gate”
    The post Net Worth Report #8 “Garden Gate” appeared first on Budgets Are Sexy. Buenos dias, amigos! This week I’m in Oaxaca, Mexico, hanging out with some new friends and eating the world’s best mole! It’s my first international trip since COVID, and although it’s a little scary being around so... Read more »
  • 401(k) Rollover to IRA: Why Bother?
    The post 401(k) Rollover to IRA: Why Bother? appeared first on Budgets Are Sexy. Hello friends! How are you this fine morning?Have you ever left an employer and accidentally forgotten about your old 401(k) account? Maybe you intended to roll it over to a new retirement plan, but the paperwork... Read more »
  • $11.20 to Fly to Hawaii and Other Vacation Hacks
    The post $11.20 to Fly to Hawaii and Other Vacation Hacks appeared first on Budgets Are Sexy. Happy Aloha Friday, everyone!Earlier this month my wife and I got back from a 10 day Hawaii trip, and I’m just sitting down to tally up all the travel expenses. This being a... Read more »
  • What’s a Real Estate Syndication? A Hypothetical Example…
    The post What’s a Real Estate Syndication? A Hypothetical Example… appeared first on Budgets Are Sexy. Hey you. Do you want to invest in a real estate project with me?Let’s say I find a massive apartment complex for sale for $50 million. If we get a bank loan with 80%... Read more »
  • How I Started a Quarantini 🍸 Business During the Covid Pandemic
    The post How I Started a Quarantini 🍸 Business During the Covid Pandemic appeared first on Budgets Are Sexy. [Morning everyone! HAPPY FRIDAY!!!Got a fun story for y’all today… My buddy Alise, aka the “Pandemic Gift Fairy,” is sharing how she started a quarantini business last year  — it’s called... Read more »
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    ChooseFI

  • mp3319 | Make Your Kid a Millionaire
    What You’ll Get Out Of Today’s Show Do you want to give your children the tools they need to guarantee their path to financial independence? If you give them the right skills, becoming a millionaire can be a mathematical certainty. Achieving the objective of becoming a millionaire isn’t nearly as important... Read more »
  • mp3318 | 100 Ways to Get 1% Better
    After four years of talking about the aggregation of marginal gains and the idea of getting 1% better, ChooseFI has accumulated quite a lengthy list you can stack together. If you can invest a little bit of time to fix something, you’ll never have to invest that time again. Brad... Read more »
  • mp3317 | All the Hacks | Chris Hutchins
    Life gets busy when you have a new baby, so Chris Hutchins is on a quest to learn all the hacks, optimize his life, and share what he’s learned with you in his new podcast, All the Hacks. The goal of the podcast is to help listeners upgrade their lives... Read more »
  • mp3316 | Is Your Pension Healthy? | Grumpus Maximus
    Back in another installment of ChooseFI’s Households of FI series are Troy and Lindsay. In episode 241, Brad helped them calculate their FI number, but Lindsay is a teacher with the potential to earn a pension. In this episode, they touch base with Grumpus Maximus to discuss the health of... Read more »
  • mp3315 | Is This the Golden Age of Investing?
    In last week’s Facebook Live episode with Frank Vasquez, he pointed out that we are in the Golden Age of Investing. In this episode, we explore what that means and if we appreciate how good we have it. In an ideal world, we would all like to maximize investment returns... Read more »



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    Military Guide

  • Home Depot Military Discounts – How to Save 10% on Purchases at Home Depot
    Home 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 »
  • 2021 VA Disability Compensation Rates – Updated Veterans Compensation Benefits Rate Tables
    The Department of Veterans Affairs provides monthly disability compensation payments for veterans with a VA Service-Connected Disability Rating. These VA disability rate charts show you how much you will receive each month for your disability rating. The post 2021 VA Disability Compensation Rates – Updated Veterans Compensation Benefits Rate Tables... Read more »
  • Financial Caregiving: Are You Ready?
        My father passed away three years ago. That realization still sneaks up on me (and maybe smacks me on the back of the head) every time I clean out a file box or organize the family photos. Another way to deal with grief is talking about it. This... Read more »
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    The Frugal Vagabond

  • Retire Early in France – Without All The Tax
    We 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 License
    Getting a Spanish Driver's License is intimidating. I'll break down each step of the process and help you get on the road with your very own EU license. The post Getting a Spanish Driver’s License appeared first on The Frugal Vagabond.... Read more »
  • Living Abroad: Five Essential Survival Skills
    Living abroad is as alluring as it is polarizing. Five skills that will make your life abroad a success. The post Living Abroad: Five Essential Survival Skills appeared first on The Frugal Vagabond.... Read more »
  • Spanish Non-Lucrative Visa Renewal
    Spain can get under your skin. In the course of living here for the full first year of our non-lucrative visa, we’ve come to love our home, our city, Spanish food and culture, and most of all, the close friends… The post Spanish Non-Lucrative Visa Renewal appeared first on The... Read more »
  • 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 »
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    The Millionaire Educator

  • Tax Planning: 2021 Free Money!
    Long-overdue greetings to all my readers out there.  With 2021 right around the corner, it’s a perfect time to start your tax planning for next year.  You know what means, right?  Yeap, it’s time for my most requested post of the year, 2021 Free Money!    What Exactly Is Free... Read more »
  • VideoPodcast Interview with Superb Diamond Range
    Great News:  We’re Still Healthy! Warm quarantine greetings from swampy South Georgia!  Tomorrow starts week 3 of no school for us (and most of the country).  All in all, our daily life is pretty normal except that we no longer have jobs to report to.  It’s almost like we’ve re-FIRE’d... Read more »
  • Adiós 2019 y Bienvenidos 2020
    Okay, I know this post is late, but here it is.  Before I get into last year’s accomplishments and this year’s goals, it’s worth mentioning that there are many things in life that are more important than money:  family, community, faith, health, and love.  As I write these words, the... Read more »
  • Podcast Interview with One Million Apples
    Happy New Year!  I just wanted to let you know that I did an interview with Breanna Reish of the One Million Apples podcast.  We talked about our 2019 hardcore savings, geo-arbitrage, my Twitter “rants,” and my never-ending obsession with Bigfoot.  I hope you enjoy the interview. Gerry... Read more »
  • Tax Planning: 2020 Free Money!
    The holiday season is upon us:  fall weather, pumpkin spice, falling leaves, cool breezes…actually, who cares?  It’s tax-planning time, so it’s time for my most anticipated post of the year:  2020 Free Money! Refresher:  What is “Free Money!”? For the uninitiated, my Free Money! posts are an attempt to simplify... Read more »
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    Afford Anything

  • mp3#315: The Science of Behavioral Change, with Katy Milkman
    [smart_track_player url="https://traffic.libsyn.com/secure/paulaandjaymoney/AA315.mp3" title="The Science of Behavioral Change, with Katy Milkman" 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" ] Do you ever grapple with the differences between your present self and your ideal self?  Your ideal self might eat healthy meals 80 percent of the time, save 50... Read more »
  • mp3#314: Ask Paula – I’m Worried About My Parent’s Retirement. What Should I Do?
    [smart_track_player url="https://traffic.libsyn.com/secure/paulaandjaymoney/AA314.mp3" title="Ask Paula: I’m Worried About My Parent’s Retirement. What Should I Do?" 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" ] Briale opened a Variable Annuity inside a 403b at work when she was 23. She has 17 years to go before retirement. As an elementary... Read more »
  • mp3#313: The Unspoken Rules that Could Cost You Thousands, with Gorick Ng
    [smart_track_player url="https://traffic.libsyn.com/secure/paulaandjaymoney/AA313.mp3" title="The Unspoken Rules that Could Cost You Thousands, with Gorick Ng" artist="Paula Pant" social="true" social_twitter="true" social_facebook="true" social_gplus="true" social_linkedin="true" social_stumble="true" social_pinterest="true" social_email="true" ] Are you aware of the unspoken rules that govern your workplace or industry? ...the rules that determine how you’re perceived by your managers? ...the rules that... Read more »
  • mp3#312: Ask Paula – How Should I Invest $5,000 Per Month?
    [smart_track_player url="https://traffic.libsyn.com/secure/paulaandjaymoney/AA312.mp3" title="Ask Paula - How Should I Invest $5,000 Per Month?" 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" ] After paying basic living expenses and maxing out their 401k’s and Roth IRAs, Caroline and her partner have $4,000 - $5,000 left each month. Where should they... Read more »
  • mp3#311: The Surprising Solution to Overthinking, with Jon Acuff
    [smart_track_player url="http://traffic.libsyn.com/secure/paulaandjaymoney/AA311.mp3" title="The Surprising Solution to Overthinking, with Jon Acuff" 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" ] Do you ever feel like there's a voice inside your head that insists on repeating all of your fears, insecurities, or mistakes? Does this voice craft invisible scripts that... Read more »
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    Accidental Fire

  • T.G.I.F. Friday: Volume 42
    Welcome to “Thank God I’m FI” Friday, Volume #42! Here are some things I really like and that you might too.    Finance Articles We All Have a Time Machine, it’s Disguised as NOW (Financial Success M.D.) – “Every time... The post T.G.I.F. Friday: Volume 42 appeared first on Accidental... Read more »
  • Financial Independence Or Not, Work Will Never Stop
    I love reading predictions of the future from the past.  When I was a kid in the 70’s and 80’s I thought by 2020 we’d surely have flying cars and that everything would be powered by the sun.  Clearly I... The post Financial Independence Or Not, Work Will Never Stop... Read more »
  • My Shit-Togetherness: An Analysis
    Subscribe To New Posts Here! The post My Shit-Togetherness: An Analysis appeared first on Accidental Fire.... Read more »
  • The Myth Of Increasing Violent Crime In America
    Where were you 30 years ago in 1991?  If you weren’t born yet or were too young to recall, it was a pretty big year in history.  It was the year of the formal dissolution of the Soviet Union, and... The post The Myth Of Increasing Violent Crime In America... Read more »
  • T.G.I.F. Friday: Volume 41
    Welcome to “Thank God I’m FI” Friday, Volume #41! Here are some things I really like and that you might too.    Finance Articles Even More Things I No Longer Do Thanks To Financial Freedom (Fates On Fire) – “Financial... The post T.G.I.F. Friday: Volume 41 appeared first on Accidental... Read more »
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    Independently Financed

  • Two quirks to watch for when reporting 2020 unemployment compensation
    Become a Patron!There has been a fair amount of confusion and chaos around changes made to the taxation of unemployment compensation in the American Rescue Plan, so as I’m finishing up preparing my own 2020 taxes, I want to draw readers’ attention to one very important and one very minor... Read more »
  • Minimums, Anchors, and Thresholds
    Become a Patron!One of the most frustrating things that comes up almost immediately when you start talking to people about money is the way people treat certain purely regulatory or legislative figures as having some kind of moral or persuasive value.The example that has driven me crazy for years is... Read more »
  • What’s the real story behind the zillionaire widow defrauded by her grandsons?
    Become a Patron!Via TravelBloggerBuzz, last week I read a fascinating story about the resolution of a FINRA arbitration complaint against two JPMorgan financial advisors by their grandmother, whose money they had supposedly misallocated for the benefit of themselves and their employer. Unfortunately, for the usual reason (laziness) the business journalist... Read more »
  • MEUC: the unemployment insurance top-up no one is talking about
    Become a Patron!Since the original CARES act in March, I’ve been trying to provide practical, real-world guidance on the nuances of federal and state aid to unemployed and self-employed workers. For reference: In May I shared my successful EIDL loan application; In July I asked whether the PPP program was... Read more »
  • How to apply to, enroll in, and attend college
    Become a Patron!In my Wednesday review of Ron Lieber’s college-cost book I promised my own streamlined take on how to think about higher education. One of the great shortcomings of Lieber’s book is that it’s focused on parents: the “You” in the title refers to you, the parent, rather than... Read more »
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    Mr Crazy Kicks

  • We Made a New Haircut Tool: The HairFin!
    As a kid, my mom cut my hair with her trusty clippers. In college, I picked up a pair of clippers and learned to cut my own hair. Soon I found myself cutting friends’ hair in the dorms. Clippers made … Continue reading → The post We Made a New... Read more »
  • 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 »
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    The Happy Philosopher

  • How to Prepare for Life After Residency
    Burnout and Finance I was recently asked to speak to a bunch of medical residents about my story of burnout and my general philosophy on finance and life. I declined for a variety of reasons, but upon reflection I realized that this was a topic I had not addressed. This... Read more »
  • 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 »





    +

    Slowly Sipping Coffee

  • Embracing Life
    This 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 It
    Now 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 »
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    zen habits

  • Training to Be Relaxed in Stressful Situations
    By Leo Babauta Many of us face things every day that stress us out: overwhelming number of tasks, a big meeting, a project that feels really tough, behind on paying bills, someone is upset at us, there’s a family crisis, the world feels chaotic. Can we find a way to... Read more »
  • A Well Lived Life of Purpose
    By Leo Babauta Most of the people I know and work with want a life of meaning and purpose, not a life where we just get by … A well lived life, that feels meaningful. But this isn’t taught in schools, and most of us feel completely unsure of how... Read more »
  • Wanting More Time for Your Meaningful Work
    By Leo Babauta A member of my Fearless Training Program has a full-time business that she loves, but isn’t the meaningful work she’d like to do in the world. She struggles with finding enough time for that meaningful work. Can you relate to this? The rest of our life fills... Read more »
  • Delight in Uncertainty
    By Leo Babauta Most of us have a troubled relationship with uncertainty, often without even knowing it. Our most difficult problems often stem from uncertainty: procrastination, overwhelm, distraction, anxiety, frustration with others, beating ourselves up, trouble with forming (or quitting) habits, health issues, relationship issues, financial issues, control or perfectionist... Read more »
  • Getting Good at Just Starting a Difficult Task
    By Leo Babauta The tendency to put off difficult tasks that we don’t want to face is almost universal. And it turns out, the moment of starting a task is often so much harder than actually doing the task. Once we get started, there can be challenges (and we will... 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 »
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    DiverseFI

  • We’re Moving! New Website!
    All new episodes and content can be found at earnandinvest.com. See you there! The post We’re Moving! New Website! appeared first on DiverseFI.... Read more »
  • 128. You Can Destroy Student Loan Debt
    Earn & Invest I am proud to release episode 128 of The Earn & Invest Podcast.  This podcast is an exploration of personal finance, financial independence, and taking the conversation to the next level.... The post 128. You Can Destroy Student Loan Debt appeared first on DiverseFI.... Read more »
  • Video127. Why Now Is The Time To Start Your Business
    Earn & Invest I am proud to release episode 127 of The Earn & Invest Podcast.  This podcast is an exploration of personal finance, financial independence, and taking the conversation to the next level.... The post 127. Why Now Is The Time To Start Your Business appeared first on DiverseFI.... Read more »
  • 126: How To Align Your Passion and Talent
    Earn & Invest I am proud to release episode 126 of The Earn & Invest Podcast.  This podcast is an exploration of personal finance, financial independence, and taking the conversation to the next level.... The post 126: How To Align Your Passion and Talent appeared first on DiverseFI.... Read more »
  • 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 »
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    Vital Dollar

  • How Two Teens Started a Business and Created Their Dream Jobs
    Entrepreneurial success stories are often focused on financial accomplishments or wealth building. For many entrepreneurs and side hustlers, the primary motivation is not money or wealth itself, but rather the freedom to live and work on their own terms. Instead of being forced into a career that drains energy and... Read more »
  • 11 Tips For Finding Great Real Estate Deals
    Real estate is bought and sold year-round, but finding great deals can take time and patience. Knowing who to connect with and where to look is half the battle. Leverage the internet, social media, and connect with locals from wholesalers to Uber drivers who can lead you to great deals.... Read more »
  • The Best Financial Independence Books
    Personal finance books are extremely popular and there’s an endless number of excellent options available to us; some focus on saving, others on reducing debts. The books listed here are all focused specifically on the tried-and-tested methods and advice that can allow the reader to achieve full financial independence, meaning... Read more »
  • 10 Tips to Qualify for Credit Card Welcome Bonuses (Without Pointless Spending)
    The credit card industry is highly competitive and issuers are always looking for ways to entice new customers to sign-up and spend with them. One way they do this is through incentives or signup bonuses. Typically, the company will reward new customers with a signup bonus in the form of... Read more »
  • Rebaid Review: Save Up To 100% Off at Amazon
    If you like saving money and getting deep discounts, Rebaid is a website you’ll definitely want to check out. As one of the best Amazon rebate sites, you can get huge savings and even free products. This Rebaid review will cover all the details about the site, how it works,... Read more »