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    Mr. Money Mustache

  • The California Effect
    One of the reasons I don’t write as often these days is that my life has gradually evolved into a Personal Finance Bubble.  The people around me have learned to be purposeful with their money, which means they now have plenty of savings and never have to stress about the... Read more »
  • VideoLessons From the Badass Muscular Neurobiologist
    Have you ever noticed that as a whole, our society has its daily habits almost completely backwards? We’re generally so “busy” that we don’t have time to get much exercise. And then we spend countless sedentary hours sitting in our cars each week because we think that car driving saves... Read more »
  • It’s Get Smart With Money Day!
    Let’s jump right to the real news here: There’s a Netflix documentary that just came out TODAY* called Get Smart With Money Somehow old Mr. Money Mustache and several friends got lured into playing a role in making it. And I’m very happy with the results! And you can watch... Read more »
  • Why You’ll Probably Never Run Out Of Money
    As strange as it may sound, earning financial freedom is a lot easier for certain people than claiming that freedom once they have earned it. And if the following statement rings true to you, you may be suffering from this same hardship: “I think I’m close to having enough money... Read more »
  • VideoWhich is Safer: Rental Houses or Stock Investments? (a Case Study)
    During our recent discussion on Inflation, a Badass reader stopped by and caught my attention by dropping the following block of wisdom into the comments section:  “A final note if you are worried about inflation: sledgehammer the TV and go for a walk in the woods. Trees get bigger every... Read more »

    Financial Independence / Retire Early

  • Daily FI discussion thread - Sunday, January 29, 2023
    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 »
  • Am I on the right track?
    I’m 26 and I have a great job. I make around 150k a year or so. Recently I’ve come to the realization I can’t do this until I’m 60+. The rat race is not for me. The past few weeks ever since basically the new years I’ve been thinking. I... Read more »
  • Do you figure your inheritance into Coast Fire number?
    40s - 2 income HH 400k combined income 1 bird still in the nest for 3 more years Assets - 375k retirement accounts - 50k taxable - 300k home equity - 120k annual savings Current debt 300k @ 3% or lower (RE and auto) We had kids young and struggled... Read more »
  • Our FIRE Update
    I first posted a way-too-long update two years ago, and I wanted to give a brief update on our path to FIRE. Summary We’re expats living in a HCOL city in East Asia. We’ve had a close focus on our finances since we graduated college, and we now have a... Read more »
  • Daily FI discussion thread - Saturday, January 28, 2023
    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 »

    Early Retirement Extreme

  • Simple pancake recipe
    I’m making pancakes while blogging, so I figured I might as well blog about making pancakes. Now I understand it is possible to buy some kind of mix or powder, but I don’t even want to go there. Here’s the recipe. 1 cup flour 1 cup water 1 egg 1... Read more »
  • Measuring prosperity by less activity, not more
    The lack of activity is a a core measure for intelligent design. Unfortunately, very few, myself included, are behaving very intelligently these days. Which would be the more intelligent way to feed yourself? To go outside and pluck an apple or shoot something wild and eat it, or to plant... Read more »
  • In praise of idleness
    While I think of something interesting to write, you may want to spend some idle time reading this essay by Bertrand Russell. Do you still remember how to be idle? Or are you always focusing on how to be more productive (see the comments on this post)? Copyright © 2007-2021... Read more »
  • What does being (early) retired mean?
    I have had some issues defining myself now that I can no just fling out a job title. First, I used the term “retired”, but then I got the impression that I was not allowed to do anything that earned me money; that I should essentially sit back and withdraw... Read more »
  • Vegan slow cooker chili
    This recipe is grand because it can be cooked in the morning and eaten in the evening. Start in the evening by soaking some black eyed peas and some navy beans. These can be pressure cooked in the morning while DW takes a shower(*) and you cut up some green... Read more »

    Go Curry Cracker!

  • Easy AMEX Points with a Business Checking Account
    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 & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Last month,... Read more »
  • Announcement: GCC@TedX
    Hello Go Curry Cracker readers, I’ve been a fan of Ted Talks for as long as I can remember… and now I get to give one! This Saturday, January 21st, I will be speaking at TedXFolsom, a regional event in the Sacramento area. I met with the TedXFolsom Executive Director... Read more »
  • Failing at Early Retirement
    From the inbox (paraphrased): “Our portfolio is down and prices are up. This has caused some anxiety in our household, and I’ve considered going back to work (even just part time.) I think more income will help with cash flow and reduce worry… but I’m concerned that I will feel... Read more »
  • A Simple Year-End Tax Checklist
    The end of the calendar year is quickly approaching, and that means it is time to run through our year-end tax checklist. The simpler the better. Here are a few important items to review and actions to take. Year-End Financial and Tax Checklist Estimate total annual income Q4 dividends, interest,... Read more »
  • Geographic Arbitrage Wins Again
    (GCC: Over the years I haven’t been shy about how my favorite part of this little blog is the opportunity to have a positive impact on the lives of others. Now, the only thing even better than _that_ is when somebody takes an idea or concept and just… runs with... Read more »

    1500 Days to Freedom

  • Ask The Readers: What If You Couldn’t Make Money?
    I was talking to my friend Jen recently when she asked a fantastic question. It was posed to her about a year ago. Here is how it went down: Jen had just retired and was on a trip down to Oaxaca to celebrate. On the plane, she sat next to... Read more »
  • Can I Win The Warren Buffett Bet? (Year 5 Update)
    In December of 2017, Dividend Growth Investor (DGI) asked me if I’d like to duplicate the famous Warren Buffett bet. For those unfamiliar, in 2008 Buffett famously challenged the hedge fund industry: Can you beat the S&P 500 over a 10 year period? Buffett won as the hedge fund got clobbered by the... Read more »
  • Happiness With Mr. Money Mustache On Mile High FI
    I like to think that life usually works out for the best. Even when there are incredibly tough times, we often end up in a better place than we would have otherwise. This is about one of my tough times. Inflection Points Back in October of 2012, I had awful... Read more »
  • 10 Years of 1500 Days
    I published my first post on 1/1/2013. Here it is: https://www.1500days.com/start-here/ 10 years later, here we are. Crazy. Time flies by. So cliche, but so true. 10 years is most likely more than 10% of my life. And the past 10 years are certainly some of the best years. Some... Read more »
  • Performance Update: November
    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 »

    Mad Fientist

  • mp3My Family – Raising Money-Smart Kids
    In this short holiday episode, I interviewed my parents and grandparents to find out their best tips for raising money-smart kids! Read more → The post My Family – Raising Money-Smart Kids appeared first on Mad Fientist.... Read more »
  • Why I’m Appreciating FI More Than Ever Now
    Thanks to a huge life event, I'm appreciating the benefits of financial independence and early retirement more than ever! Read more → The post Why I’m Appreciating FI More Than Ever Now appeared first on Mad Fientist.... Read more »
  • mp3The Best Advice from Mr. Money Mustache
    To celebrate the 10-year anniversary of the Financial Independence Podcast, here are the highlights from my first guest - Mr. Money Mustache! Read more → The post The Best Advice from Mr. Money Mustache appeared first on Mad Fientist.... Read more »
  • mp3Aime to Invest – From Bankruptcy to FI in 8 Years
    Patrick Aime from Aime to Invest shares the important lessons he learned on his rollercoaster journey from bankruptcy to FI millionaire! Read more → The post Aime to Invest – From Bankruptcy to FI in 8 Years appeared first on Mad Fientist.... Read more »
  • mp3The Escape Artist – FIRE in the UK
    The Escape Artist joins me on the Financial Independence Podcast to talk about pursuing FIRE in the United Kingdom! Read more → The post The Escape Artist – FIRE in the UK appeared first on Mad Fientist.... Read more »

    Millennial Revolution

  • Let’s Go Exploring! Zagreb, Croatia: Quirky Museums and Eye-Opening History
    Most travellers use the capital city of Croatia, Zagreb as a stop-over on the way to more exciting destinations like Split, Dubrovnik, Hvar or Plitzvice. But that’s a mistake, because even though it’s not as popular as cities along the Dalmation coast made famous by Game of Thrones, it wins... Read more »
  • Reader Case: How do I Squeeze More Income From my Portfolio?
    When most people think about early retirement, they picture themselves flipping off their boss at work, strolling out the door, and retiring to a life of full-time leisure or travel, and there’s nothing wrong with that. That’s the narrative that most of the FIRE bloggers (including us) depict. However, that’s... Read more »
  • Our 2022 Expenses
    Early retirement isn’t all sunshine and rainbows, especially when you have to deal with what I like to call “The 4 Horsemen of Early Retirement.” Specifically, running out money, losing your identity, losing your friends, and dealing with inflation. Because we’ve lived through multiple market downturns in the past 8... Read more »
  • Our 2022 Portfolio
    Happy 2023, everyone! While I have no idea what 2023 will bring, it would be pretty hard for it to match last year’s casserole of crazy. Inflation, war, spiking gas prices, and the fastest interest rate increase in history made last year a true head-spinner. Personally, I’m rooting for 2023... Read more »
  • Can You Buy Happiness?
    I went to the mall the other day to pick up some family Christmas presents, and boy was it packed! What happened to all the doom and gloom in the media, complaining about inflation and recession fears? Apparently, according to research conducted by Ipsos, who surveyed participants from Asia, North... Read more »

    Can I Retire Yet?

  • The Year Ahead….
    Retirement planning requires making our best effort to project far into the future. That is hard, if not impossible. The reality is that we are constantly changing as is the world around us. We need to plan, but understand that our plans need to be adaptable. My own needs, desires,... Read more »
  • How Are Social Security Benefits Taxed?
    This blog has traditionally focused on early retirement. As such, we haven’t given Social Security the attention it probably deserves. Social Security benefits are crucial for most retirees. Even for early retirees with sizable portfolios, Social Security benefits can provide a substantial and important portion of retirement income. In the... Read more »
  • My Investment Portfolio: 2023
    This time last year I wrote, “Markets are unpredictable. Sometimes the surprises are good ones. But we’ve had a lot of those the last few years, so be prepared for some inevitable bad surprises ahead.” Well, here we are. It’s been a sobering year for investors and early retirees. I... Read more »
  • Creating Retirement Income: From RMDs to SWRs
    A reader recently asked the following question about retirement withdrawals: I am approaching 72, and for the life of me I do not know the difference between setting a safe withdrawal rate (SWR) and how that relates to my required minimum distributions (RMD). Perhaps you can write a post someday... Read more »
  • December 2022 Best of the Web
    It’s been a wild ride this year. All asset classes took a beating. Financial scams dominated the news. A new law is being finalized at the end of 2022 that will substantially impact our financial planning in years and decades ahead. In this last post of the year, I’ll touch... Read more »

    Root of Good

  • Portugal Trip Recap Plus December 2022 Early Retirement Update
    Hey folks, it's 2023! I hope everyone had a great time with friends and family over the holidays, and rang in the New Year in style!  We had a very busy December. We were vacationing in Portugal during the first week of December, and then sailed from Lisbon to the... Read more »
  • November 2022 Early Retirement Update
    Last month flew by! First off, my apologies for a very late monthly update. We just got back from a little adventure in Europe and on the high seas. We spent a week traipsing around the Lisbon and coastal areas of Portugal.  Then we sailed west on a 9 day... Read more »
  • October 2022 Early Retirement Update
    Welcome back to another monthly installment of the life and times of Root of Good. We kept busy in October with a ten day cruise to the Caribbean plus several parties for family and friends. I need a vacation! Ha ha... Fall is in full swing here in North Carolina.... Read more »
  • September 2022 Early Retirement Update
    Welcome back to another glimpse into my early retired lifestyle. In September, I enjoyed the slower pace of life at home in Raleigh after a busy summer traveling across Eastern Europe. We worked on some more travel planning for winter of 2022 and summer of 2023 (more on that below).... Read more »
  • August 2022 Early Retirement Update
    Time for a look back at what we were up to last month! We started the month of August in the city of Eger in the east of Hungary. Once our weeklong stay in Eger wrapped up, we headed west to Budapest where our 2 month European vacation would end... Read more »


  • Walkie Talkies And Other December 2022 Expenses
    Ahhh decadent December! Filled with food, wine, life-sized penguin stuffies and dog booties. December always promises to be a high-spend month, but that doesn’t have to spell crisis. If you plan for expensive months, if you calculate what you spend on something like Christmas and save up over the course... Read more »
  • Start The New Year In Control Of Your Money
    Your money can control you or you can control it. Take charge of your money during the January Uber Frugal Month Group Challenge. There’s still time to join me–and thousands of other frugal devotees–for our month-long journey to financial wellness. While the Challenge technically started yesterday, if you sign-up today... Read more »
  • Reader Case Study: Firefighter and Teacher Living on a Horse Farm
    Marie and her husband Ryan live on a 25-acre horse farm in rural Florida with their 10-year-old son and lab puppy. Ryan, who works as a firefighter, is incredibly handy and built their house 8 years ago. Marie is an elementary school teacher who enjoys her job. The family loves... Read more »
  • Last Chance To Win A Financial Consult or Spot in a Mastermind Group!
    Today’s the last day to sign-up for a chance to win a one-on-one financial consultation with me ($1,500 value!) OR a spot in an Uber Frugal Month Mastermind Group ($300 value!)! If you enter the giveaway, you’ll also be signed-up for my free Uber Frugal Month Challenge, which kicks off... Read more »
  • Dog’s Christmas Stocking And Other November 2022 Expenses
    November is always a month of celebrations in our family! We hosted Thanksgiving for what we think is the 10th year–although there were a few years off for Covid–and Kidwoods turned seven! Our expenses are always higher in November on account of these festivities and I don’t mind at all.... Read more »


  • When Your Country Becomes a Global Outcast
    Last time I shared with you a story from my new book Pathfinders from a reader in Ukraine, Roman Koshovskyi, titled Staying the Course in War-Time. Today we hear from Artem Voronov, a reader in central Russia, on what staying the course looks like when your country has become a... Read more »
  • Staying the Course in War-Time
    Last May, when I announced I had inked a deal with Harriman House to publish my new book, Pathfinders, I invited those of you who had embraced The Simple Path to Wealth to share your stories. The response was amazing and, unfortunately, there were simply to many to include them... Read more »
  • Pathfinders update from Hh
    Greetings! As the holidays end and the New Year begins, we wanted to update you on everything PATHFINDERS-related. First of all, a huge THANK YOU to everyone who submitted their story last year! We were overwhelmed by the number, quality and range of entries. Which was an excellent problem to have! The next... Read more »
  • A New Chapter for Chautauqua
    Happy New Year!  Chautauqua is one of my favorite things to look forward to each year. It is a life changing event for those who attend, and a constant source of new friendships and continuing time with old friends. Since the first one in Ecuador in 2013 they have brought... Read more »
  • Season’s Greetings!!
    Before the week 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 »

    Mr. Free At 33

  • My Biggest Winners Of 2022 (And What I Think Of Them Today)
    Curious as to whether or not some of the big winners of 2022 still have gas in the tank? Looking to hear about some of the very best long-term investments in the entire market? Wondering which of my investments did the best in 2022, and how I feel about them... 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 »
  • You Can Buy This 5-Star Stock At Half Price Right Now
    Like the idea of taking advantage of the explosion in demand for high-speed internet connectivity? Want a yield and dividend growth rate combination that’s perfectly in the “sweet spot”? Looking for a great dividend growth stock that looks extremely undervalued after falling in price by 30%? Then you have to... Read more »
  • If You Want To Make More Money, Check Out These 6 Dividend Growth Stocks
    Want totally passive dividend income? How about totally passive dividend income that grows all by itself? Interested in knowing about companies that are paying their shareholders even bigger dividends than before? Then you have to check out today’s video. For more on six dividend growth stocks paying their shareholders even... Read more »
  • This Is One Of The Best Businesses I’ve Ever Seen
    Would you like to own a slice of one of the best businesses on the planet? Looking for a world-class compounder that is making its shareholders rich? Like the idea of getting a stock on sale after a 30% drop in price? Then you have to check out today’s video.... Read more »

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    The Money Mustache Community

  • Re: Book for Market Sectors
    Quote from: reeshau on January 28, 2023, 10:49:00 AMCash:  -6.5%  (December 2022)Cash may return 0% at many banks, but Vanguard's default settlement account pays 4.4% right now.  So the real return would be -2.1% fo...... Read more »
  • Re: Youtube channels?
    Thanks for the other suggestions, will look through them!... Read more »
  • Re: Youtube channels?
    Quote from: chasingsnow on January 28, 2023, 09:50:55 PMQuote from: daverobev on January 15, 2023, 01:11:09 PMhttps://vid.puffyan.us/watch?v=GhtmIof43ok - this is a 3 hour summary of a year, Dutch g...... Read more »
  • Using resources wisely: time, money, ability, knowledge
    Using resources wisely: time, money, ability, knowledgeSaw the comments below on Quora. Basically they say it is hard to be frugal when you are not well off. True, but felt you have to begin somewhere!"Why are rich people more frugal than poor ones?...... Read more »
  • Re: Does anyone think we are in a bubble?
    Quote from: Mr Mark on January 28, 2023, 11:57:18 AMcame across this past pearl clutching post on 'is the market at a peak?' worries. Since then, Feb 2017, $10,000 invested in VTSAX Vanguard Total Stock Mkt Idx Adm   is now wor...... Read more »

    Early Retirement Extreme Forums

  • Lifestyle Questions • Re: Decentralizing FI for strategic reasons?
    AH's game sounds a lot like the one I'm trying to play currently, particularly to figure out what game I want to play, and by positioning myself to be able to take opportunities as information gathering in this regard.Statistics: Posted by avalok — Sun Jan 29, 2023 3:54 am... Read more »
  • ERE Journals • Re: Smelly Swiss Dilettante
    Reminds me of this surgeon I knew, her neighbor was complaining that she didn't know what to do with her laying hens once they got too old, she couldn't bring herself to slaughter them, and surgeon went, "gift them to me, i'll slaughter them" I was in my late 20s... Read more »
  • Emergent Renaissance Ecology • Re: Bill Plotkin - Discussion Thread
    To backup what I said in my previous page post, but more importantly, to simply share some great writing that clarifies and exemplifies what Bill Plotkin's work is about:My greatest challenge in writing this book — and perhaps your first obstacle in reading and understanding it — is that its... Read more »
  • Emergent Renaissance Ecology • Re: Bill Plotkin - Discussion Thread
    Sharing an eloquent passage found in Bill Plotkin's Wild Mind, in the chapter on East subpersonalities (Addicts and Escapists).WE’RE ALL IN RECOVERY FROM WESTERN CIVILIZATION Sooner or later, we each must address the paramount addiction in the Western and Westernized worlds: our psychological dependence on the world-view and lifestyle of... Read more »
  • ERE Journals • Re: Smelly Swiss Dilettante
    I wonder if the ugly cousin of this epic rite of passage would do. For example killing a chicken for supper. Or if it has to be a mammal, killing a rabbit for pate. Or, finally, if we have to go big, killing a pig for bratwurst / black pudding... Read more »

    Jillian Johnsrud

  • Prepare for the Unexpected Mini-Retirement
    In my 20’s, I was let go from a job. Kinda. Or I… a little bit left. My position was being combined with another position, one I had no interest in nor the skill set to tackle. Either way, I was unexpectedly unemployed. It’s a situation most people find themselves... Read more »
  • In the Waiting
    I have a theory that people mostly buy lottery tickets for the waiting. That’s where the magic really is. From the time to buy your ticket until the numbers are drawn, you wait. You dream about what you might do or change if you are suddenly a billionaire. The buying... Read more »
  • Five Big Reasons to Retire Often
    My family and I are a month into an 8-month-long road trip. While logging a lot of steps, a lot of drive time, and watching my kids play in the ocean, I’ve been thinking about all the amazing benefits of taking a mini-retirement. Here are five of the big reasons... Read more »
  • VideoStumbling Block for Change
    We are in the process of transforming into full-blown snowbirds. It’s admittedly an odd life choice for people with five school-aged kids. And truthfully, a rather complicated choice. It’s definitely not an easy path forward. Living in a house and having kids in public school is a simpler choice.  So... Read more »
  • The Roads Not Taken
    “What’s an opportunity or pursuit that you passed on earlier in life, but if the opportunity came again, you would consider taking it?”  This is a question I contemplated a lot during our last three-month road trip. And this year, while I’m working a max of 8 hours a week,... Read more »

    Done by Forty

  • VideoHoops for the Poor
    It's tax time. That means it's time to wait anxiously for the mail each day, hoping that final W2 or 1099 will show up, and we finance weirdos can start in on the fun of entering figures into our favorite tax software.I know I'm not the only one who enjoys... Read more »
  • Solar Panels or an Electric Vehicle?
    SourceLast week we noodled over which electric vehicle might replace one of the two gas burning cars in our garage right now. But I was underwhelmed by how little cost or even environmental savings would be gained from most of the options. The new EVs wouldn't break on costs for hundreds... Read more »
  • VideoNoodling Electric Vehicles
    SourceI'm in the middle of Wallet Activism right now and it's changing the way I think about things. How we spend our money, sure. But also how we think about things. How do we make decisions, even with things that are free (or "free"). When I click on the free shipping... Read more »
  • VideoWay Too Transparent: All the Money We've Made (2022 update)
    Source.Another year in the books, another year of the pandemic to endure. Welcome to 2022, what promises to be the longest seventy three months in memory. Supply chains are stretched, we've collectively stopped trying to avoid giving each other COVID, inflation is rampant, and Tom Brady will win another Super Bowl... Read more »
  • Mediocre Advice for Dads Who Somehow Know Less Than Me
    When I first left work, I imagined I'd be writing multiple posts a week again like I did in the early years of the blog. Without the forty hours and ongoing stress of corporate employment, I'd be able to write a post on Monday and another mid-week, for sure.As usual,... Read more »

    The Golden Albatross

  • VideoFIRE in New Zealand: One Thing a Pension Cannot Buy
    I'm mourning the death of my defined benefit pension-enabled Financial Independence Retire Early (FIRE) in New Zealand lifestyle. The post FIRE in New Zealand: One Thing a Pension Cannot Buy appeared first on The Golden Albatross.... Read more »
  • This Is Your Pension On Inflation
    Even in the scenario with the largest pension, once Don's pension starts, it goes from covering all the family's retirement spending to roughly one-third by the 49th year. That's a giant swing downward due to inflation! The post This Is Your Pension On Inflation appeared first on The Golden Albatross.... Read more »
  • The Pension Couch: Replacing Pension Income
    If I leave now, how much would I have to save each month for the next six years to replace the difference I am losing? The post The Pension Couch: Replacing Pension Income appeared first on The Golden Albatross.... Read more »
  • The Pension Series (Part 31): Grumpus Maximization
    Pension Maximization Part Deux This post is a direct continuation of Pension Series Part 30. In that article, I introduced my general framework for maximizing your defined benefit (DB) pension, which I call Grumpus Maximization. I also walked through the first two steps of Grumpus Maximization, which were (1) setting... Read more »
  • The Pension Series (Part 30): Pension Maximization
    Pension maximization ensures your pension's positive impact in retirement is as significant as possible. You maximize your pension by taking active steps during your pensionable career. The post The Pension Series (Part 30): Pension Maximization appeared first on The Golden Albatross.... Read more »


  • mp3421 | Secure Act 2.0 Deep Dive | Sean Mullaney
    In this episode: taxes, the secure act 2.0, the best news, roths, 529's, catch-up contributions, and the new options you have. On December 29th 2022, Joe Biden signed into law the Secure 2.0 Act. As this law may have ramifications on your retirement tax planning, to stay ahead of the... Read more »
  • mp3420 | Mindful FIRE | Adam Coelho
    Timestamps: 1:56 - Introduction 4:33 -The Definition Of Mindfulness/Removing Judgement 12:08 - Your Thoughts Create Your Reality 19:08 - Gateways To Meditation/Awareness 27:56 - The Science Of Mindfulness 35:50 - Envisioning 40:25 - It's Not Out There, It's In Here 49:27 - Mindfulness And FI 52:44 - Adam's Google Story... Read more »
  • mp3Video419 | Your Bold Move for 2023 | Dominick Quartuccio
    In this episode: bold moves, building bold moves, dreams, themes, uncomfortable awareness, and finding energy. For most people, a new year can signify new goals that we hope to accomplish. Regardless of where you are on the FI journey, the new year ushers in a time for change and welcomes... Read more »
  • mp3418 | Investing Lessons Learned in 2022 | Brian Feroldi
    In this episode: the federal reserve, interest rates, buying the hype, the problems with effortless earning, and narrative follows price. It’s suffice to say this past year has been one of distinct changes from a financial perspective, with investment techniques and former practices no longer working the same as they... Read more »
  • mp3417 | Year End Wins 2022
    Happy Holidays! As the year's end approaches, it's only natural to look back and think of all that you’ve accomplished. Whether you just began your FI journey this year or are well on your way, recognizing the improvements you’ve made throughout the year is essential and worth celebrating! This episode... 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 »

    Financial Samurai

  • The Best Reason To Retire Early: Years Of Greater Happiness
    I’ve finally discovered the best reason to retire early. A longer steady-state period of happiness. It has taken me 10 years of fake retirement to come up with this epiphany because I had to experience the process myself. In the past, I’ve written that early retirement isn’t all sunshine and... Read more »
  • Once You Have F You Money, It’s Hard To Tell Others To F Off!
    F you money. FU money. F*ck you money. It’s all the same. F You Money is having enough money to tell others to F Off without fearing financial repercussions. I’m sure some of you have dreamt of telling your annoying micromanager to F Off. But you can’t because you still... Read more »
  • The Triple Benefit Of Paying Off Your Mortgage Early
    In 2022, my wife and I paid off our vacation property mortgage after 15 years of ownership. Now that it’s been a while since we paid off the mortgage, I realized there is a triple benefit to paying it off early. I didn’t realize one of these benefits when we... Read more »
  • Foreign Real Estate Investors Are Coming To Buy American Homes
    Although COVID has been bad for many of us in so many ways, the pandemic did one good thing. The pandemic helped protect American homebuyers from a resurgence in foreign real estate investors. In a big way, the pandemic has throttled the demand from foreign real estate investors to buy... Read more »
  • Economic Devastation Might Be Exactly What We Need To Win
    Since I left my day job in 2012, I’ve been constantly preparing for economic devastation. I had to because I no longer had a safety net. My plan was to take a leap of faith and succeed. It would have been too embarrassing to ask for my old job back... Read more »

    Afford Anything

  • mp3#424: The Power of Knowing When To Walk Away, with Annie Duke
    We’re taught to stay in the game. Persist. Be gritty. Try, try again. But sometimes, the best decision is to walk away. Move on. How do you know when that’s right? When should you double-down … and when should you fold? Today’s guest, Annie Duke, won more than $4 million... Read more »
  • mp3#423: Ask Paula: Can I Make Money with My Passion?
    We’ve heard the warnings about following your passion. People ask if you can *actually* make money doing what you love. They frame the question “passion or profit?” as though these are in opposition. The majority – who have never tried – decry, “what if you fail?” Nobody asks the more... Read more »
  • mp3#422: Ask Paula: We’re Saving 72 Percent Of Our Income…and It SUCKS
    Emily is saving aggressively for financial independence, but it’s hard to enjoy the present. Is it time to increase spending? Monroe wants to stop working. Forever. Which is more important: debt payoff or investing? Another anonymous caller and his spouse dream of building a homestead on an expensive piece of... Read more »
  • mp3#421: How to Schedule Your Day for Peak Enjoyment, with Laura Vanderkam
    Life is busy. We spend too much time on chores, errands, commuting, emails and other draining tasks. We lack time for joy and hobbies. Or do we? Today’s guest, Laura Vanderkam talks to us about how to make the most of our time and carve out more space for gratifying... Read more »
  • mp3#420: What We Learned in 2022, with Paula Pant
    Dr. Ellen Vora, M.D., shared insight into the roots of procrastination, offering evidence-based tips for how to overcome our own inner demons of anxiety, fear and laziness. Psychology professor Bill von Hippel described why too much happiness is just as detrimental to our long-term health and wellbeing as too little... Read more »

    Accidental Fire

  • T.G.I.F. Friday: Volume 87
    Welcome to “Thank God I’m FI” Friday, Volume #87! Here are some things I really like and that you might too.   Financial Independence/Retirement Articles I Love My Job: Still Sprinting to Early Retirement (Budget Life List) – “I love... The post T.G.I.F. Friday: Volume 87 appeared first on Accidental... Read more »
  • Time To Step Back A Little On The Blog
    I’ve published a post on this blog religiously every Tuesday for well over 5 years now.  My first post was on November 4th, 2017 and the only times I missed since then were due to Christmas.  In total l’ve published... The post Time To Step Back A Little On The... Read more »
  • T.G.I.F. Friday: Volume 86
    Welcome to “Thank God I’m FI” Friday, Volume #86! Here are some things I really like and that you might too.   Financial Independence/Retirement Articles A letter to young investors (Tawcan) – “Your portfolio is like a bar of soap,... The post T.G.I.F. Friday: Volume 86 appeared first on Accidental... Read more »
  • My Business Got Smacked Upside The Head By 2022
    It’s a new year and time to do my annual business review.  If you’re not familiar with my story I semi-retired to 20 hours a week at my main job in 2017 after reaching financial independence years before.  Since then... The post My Business Got Smacked Upside The Head By... Read more »
  • What I Spent In 2022
    Happy New Year – 2022 is in the books and it’s time for my annual spending post.  I’ve never budgeted in my life, so when I did my first spending post for the year 2020 it was almost entirely done... The post What I Spent In 2022 appeared first on... Read more »

    Independently Financed

  • What are the most lucrative things you can do with free transportation?
    Become a Patron!A few years back I wrote a goofy post trying to look at car ownership not as a personal consumption expenditure, but as a productive input; as a profit center, not a cost center. For the last few months I’ve been fooling around with our local “micromobility” services,... Read more »
  • Free and discounted “micromobility” services
    Become a Patron!One of the most bizarre things to emerge from the era of free money were the so-called “micromobility” companies, which have littered the streets and sidewalks of major American cities with their cumbersome scooters and e-bikes. On the one hand, these companies have not and will not ever... Read more »
  • How to think about stockpiling Series I savings bonds
    Become a Patron!A reader whose financial savvy I highly value surprised me the other day by saying that he’d been maximizing his Series I Savings Bond purchases for many years. This surprised me since the “fixed” portion of the semi-annual composite interest rate had hovered between 0% and 0.5% APY... Read more »
  • Preserving your eligibility for paid family and medical leave
    Become a Patron!I’ve covered extensively my experience using the District of Columbia’s paid family and medical leave program to take time off to care for a family member. Since I began that series, the program has been reinforced even further, with the addition of 2 weeks of paid prenatal leave... Read more »
  • Schwab’s forthcoming direct indexing platform might be worth a look for the merely affluent
    Become a Patron!All the way back in 2020 I offered some speculative predictions about the future of so-called “direct indexing.” This is the logical end point of the proposition, promoted by the tax-evasion industry, that by swapping between closely-correlated-but-not-identical securities, those with taxable investments can generate capital losses that can... Read more »

    Mr Crazy Kicks

  • I’m Going on Shark Tank!
    When I left my job nearly 6 years ago, I didn’t have any concrete plans except to pursue hobbies that I’m passionate about regardless of whether they make any money. A couple of years ago, this simple lifestyle led to … Continue reading → The post I’m Going on Shark... Read more »
  • 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 Mushrooms
    I 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 »

    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

  • Friends, Fun, and Fowling
    A couple of weekends ago I was able to attend the Econome conference in Cincinnati, and readers, it was the refresh I needed. I wouldn’t have attended this conference had it not been for Military Dollar suggesting I should attend and she was super supportive throughout the process because let... Read more »
  • 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 »

    zen habits

  • Create Exquisite Focus Amidst Chaos
    By Leo Babauta I’ve worked with lots of incredible people who want to create something — whether it’s art, a book, a business, or some impact on the world. One of the stories we often have when we want to create is that we’re too busy, pulled in too many... Read more »
  • The Art of Effortless Decision Making
    By Leo Babauta So many of us spend a ton of time and energy stuck in indecision — the stress and delays that come with this are quite incredible. One of the things I’m proud of about myself is my ability to make decisions quite effortlessly. This isn’t to brag... Read more »
  • Spend Your Time Intentionally
    By Leo Babauta I’ve seen a lot of people with goals about changing how they spend their time, things like: These are wonderful goals! They all involve something that theoretically is pretty simple: simply change how you spend your time. But it’s rarely that simple, is it? Something causes us... Read more »
  • Essential Zen Habits of 2022
    By Leo Babauta I’m publishing this a bit late (I usually post by the end of the year) but that is a good summary of 2022 for me: chaotic and messy, but still amazing. It’s hard to fully share what the year was for Zen Habits, and for me personally... Read more »
  • Seeing the Gift
    By Leo Babauta There are a number of common blockers for creating powerful change in your life: Each of these can derail your efforts to create something new. And to be clear, there is nothing wrong with any of these — they’re wonderfully human traits. But to create powerful change, we... Read more »

    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 »


  • Taking Stock: A Hospice Doctor’s Advice on Financial Independence, Building Wealth, and Living a Regret-Free Life
    Today I am announcing preorders of my book Taking Stock: A Hospice Doctor’s Advice on Financial Independence, Building Wealth, and Living a Regret-Free Life. This is a moment of great pride for me as... The post Taking Stock: A Hospice Doctor’s Advice on Financial Independence, Building Wealth, and Living a... Read more »
  • 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 »

    Vital Dollar

  • Fundrise Returns: My Results After 4 Years (Updated for 2023)
    My Fundrise returns after three years of investing are shared here. Learn more about Fundrise performance from an actual investor. The post Fundrise Returns: My Results After 4 Years (Updated for 2023) appeared first on Vital Dollar.... Read more »
  • What Printables Sell Best on Etsy? (Earn $10,000+ Per Year)
    Learn how to make extra money passively by selling popular printables on Etsy. This advice comes from a successful Etsy seller. The post What Printables Sell Best on Etsy? (Earn $10,000+ Per Year) appeared first on Vital Dollar.... Read more »
  • 17 Good Jobs for Pregnant Women to Work from Home
    The best jobs for pregnant women allow flexible work from home opportunities. Here are some great opportunities to make money while pregnant. The post 17 Good Jobs for Pregnant Women to Work from Home appeared first on Vital Dollar.... Read more »
  • 27 Best Jobs for Retired Teachers
    Here are the best jobs for retired teachers to make money part-time or full-time. Use your existing skills and experience while enjoying retirement. The post 27 Best Jobs for Retired Teachers appeared first on Vital Dollar.... Read more »
  • 25 Best Blue Collar Business Ideas and Side Hustles
    Here are the best blue collar business ideas and side hustles you can pursue to make money with manual labor. Sitting at a desk isn't for everyone! The post 25 Best Blue Collar Business Ideas and Side Hustles appeared first on Vital Dollar.... Read more »