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- The Margin Loan: How to Make a $400,000 Impulse PurchaseSo, I kind of just bought the house next door to me. This is already somewhat amazing, for a small-town boy who refuses to even buy himself a new car. But even stranger are the details that surround this deal: I’m not moving into it. I don’t really need or... Read more »Published: January 29, 2021 - 5:43 pm
- Poisoned Just Enough: Why I’m so Optimistic About 2021A close friend of mine was diagnosed with cancer this year. It was the serious kind, where you need to treat it quickly and aggressively or it will spread through your body, stick to all of your organs, and kill you. The diagnosis was a shock to my friend and... Read more »Published: December 18, 2020 - 1:22 am
- 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 »Published: November 10, 2020 - 3:30 am
- The Man Who Retired at 27: Why You Should Consider House-HackingWay back in the olden days, people used to be amazed at my life story. I was “The Man Who Retired at 30”, and it was so unusual that it would show up in news headlines all over the place. Thankfully, this is no longer such a surprising story. The... Read more »Published: October 23, 2020 - 4:27 pm
- VideoSocially Responsible Investing: Is It Also More Profitable?Since the Dawn of Mustachianism in 2011, the same question has come up over and over again: And in these nine years since then, the movement towards socially responsible investing has only grown. Public pension funds have started to “divest” from oil company stocks, and various social issues like human... Read more »Published: August 22, 2020 - 6:59 pm
Mr. Money Mustache
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- ● Roth ira vs traditional ira vs rolloverThinking about buying a specific stock 💎🖐 when the stimulus hits and would like some basic information on the pros and cons of a long term savings account submitted by /u/RepresentativeTax125 [link] [comments]... Read more »Published: March 7, 2021 - 12:05 am
- ● Mega Backdoor Roth, In-Plan ConversionsThis might be old news for a lot of you, but I just learned it and wanted to share in case anyone else wasn't aware. Most of us are familiar with the Mega Backdoor Roth, where you can contribute up to $38,500 (2021, with no employer matching) to an after-tax... Read more »Published: March 6, 2021 - 9:41 pm
- ● Retiring in ThailandDoes anyone here either A. have experience doing this yourself? or B. Know others that have done this? Pros? Cons? Factors that weren't expected? submitted by /u/iExtrapolate314 [link] [comments]... Read more »Published: March 6, 2021 - 9:29 pm
- ● Six Year Update - The Seven Figures EditionTLDR - Net Worth and Income charts. I've been posting my family's net worth updates annually on this subreddit for many years (see 2015, 2016, 2017, 2018, 2019, and 2020 updates); I find sharing my plans and progress to be helpful for giving myself a heading check, and hope this... Read more »Published: March 6, 2021 - 2:55 pm
- ● Daily FI discussion thread - Saturday, March 06, 2021Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Have a look at the FAQ... Read more »Published: March 6, 2021 - 10:00 am
financial independence / early retirement
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- ● How to deal with heatDealing with heat is far worse than dealing with cold because you can not just put more clothes on. Now, one could just switch on the A/C, but there are also ways to avoid this by taking advantage of the environment rather than ignoring it or working against it. In... Read more »Published: March 7, 2021 - 12:23 am
- ● Inexpensive bean spaghetti sauceIt is possible to budget on $150/month (2 adults in California) for food without resorting to coupon-food(*). I generally do that by switching between 3 or 4 different meals which also serve as mutual ingredients in each other—this completely avoids leftovers. (See chapter 5 of the book for the general... Read more »Published: March 6, 2021 - 12:22 pm
- ● How to fix a broken thermostatI am increasingly appreciating the concept of appropriate technology. The story begins with us being unable to switch the rear furnace (our RV has two 12V/LPG driven furnaces. The front furnace heats front half + bathroom and the rear furnace heats the bedroom. From my perspective, the furnace is a... Read more »Published: March 6, 2021 - 12:20 am
- Subscribe to the forumsI burned a feed for the forums so you can subscribe via RSS (google reader et. al). Lots of good info there. They include topics I don’t normally cover on the blog, such as specific countries, which states are best for early retirement, careers, etc. You don’t need to register... Read more »Published: March 5, 2021 - 12:19 pm
- “You should value experiences over stuff”To which I say: “Bah humbug!” Different strokes for different folks. According to my favorite theory in the world, the MBTI, a person’s highest values is a function of the personality type. They are Rationals: Competence and autonomy Idealists: Principles and relationships Guardians: Status and security Artisans: Spontaneous fun and... Read more »Published: March 5, 2021 - 12:19 am
Early Retirement Extreme
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- Reflections of 2020 – Procreation, Pandemics, and Politics, Oh My2020 was our 8th full year of “retirement.” While much of the world seemed a bit more chaotic than usual, we were fortunate to be largely sheltered from any abnormality. We had a pretty good year – we started with a big ski trip to Japan (Jr’s 1st), traveled a... Read more »Published: February 17, 2021 - 7:30 am
- GCC Business Review 20202020 was our 8th full year of life beyond work. After all this time I still feel it is pretty nice. This year was a bit more disorganized than most, simply because the year was more chaotic – a global pandemic and the birth of our 2nd child may have... Read more »Published: February 8, 2021 - 6:16 am
- Scared to Death of Early Retirement, No More. An Update.{GCC – Since publication 6 years ago of the widely popular financial review for ‘The Bobs’ , people have inquired on social media, email, blog comments, and even in person, “Where are they now? Please tell us how it turned out!” Not wanting to let you all down, I asked... Read more »Published: January 4, 2021 - 10:04 am
- Happy Holidays!Happy winter solstice, Merry Christmas, and Happy New Year to all of you fellow financiers and adventurers-in-place. And Happy Hanukkah! Happy Kwanzaa! Happy Diwali! Happy Festivus! Seasons Greetings! This was our 8th full year of post-work life. 2020… man, what a year. We started the year on the ski slopes... Read more »Published: December 21, 2020 - 12:11 pm
- Award Travel Series: Your First Five Credit CardsAdvertiser Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CardRatings.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Opinions, reviews, analyses... Read more »Published: December 7, 2020 - 9:49 am
Go Curry Cracker!
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- Home Sale: Mortgage Post-MortemMindy and I just sold our old home. It had been a rental, but the numbers didn’t work well. We earned less than $3,000/month on a $600,000 home. We weren’t close to the 1% Rule. Hell, we weren’t even at the .5% rule. If we had pursued our original plan... Read more »Published: March 1, 2021 - 4:25 pm
- January 2021: Up $236,821My 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 »Published: February 22, 2021 - 11:04 am
- April 2022 Won’t HappenOur lives have been pretty crazy lately. With the explosive housing market and the tenants moving out of our rental, Mindy and I thought it was a good idea to put the home on the market. We did that in January and had multiple offers within 48 hours. At the... Read more »Published: February 15, 2021 - 8:05 pm
- The Ultimate Frugal Valentine’s Day GuideThe most romantic day of the year is upon us! Valentine’s Day! What’s more romantic than waiting 90 minutes for breadsticks at your local Olive Garden while risking exposure to a communicable disease? Pretty much everything! But I digress. V-Day isn’t easy. Expectations, hormones, and date budgets go into overdrive.... Read more »Published: February 8, 2021 - 11:04 am
- The Difficult Path To WealthA man who carries a cat by the tail learns a lesson he can learn in no other way. -Mark Twain Whenever the stock market takes a big dump, I feel a little giddy. Mindy and I are still in the saving part of our lives (she works, I don’t... Read more »Published: February 1, 2021 - 6:14 pm
1500 Days to Freedom
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- mp3Early Retirement Extreme – A Systems Approach to Lifestyle DesignI finally talked to the person who introduced me to the idea of financial independence - Jacob Lund Fisker from Early Retirement Extreme! Read more → The post Early Retirement Extreme – A Systems Approach to Lifestyle Design appeared first on Mad Fientist.... Read more »Published: January 19, 2021 - 10:15 am
- A Better Alternative to Resolutions and GoalsThere's a better alternative to resolutions and goals...especially if you're pursuing financial independence and early retirement. Read more → The post A Better Alternative to Resolutions and Goals appeared first on Mad Fientist.... Read more »Published: January 12, 2021 - 11:50 am
- Military FIRE – The Tax, Investing, and Travel Benefits of Military ServiceMilitary servicemembers have access to incredible tax, investing, and travel benefits that can accelerate the journey to FI! Read more → The post Military FIRE – The Tax, Investing, and Travel Benefits of Military Service appeared first on Mad Fientist.... Read more »Published: December 11, 2020 - 10:12 am
- mp3Video8 Key Lessons from the Ultralearning Experiment (and a Huge Announcement)The Ultralearning Experiment was a bigger success than I'd even hoped and here's what I learned from it (plus a massive announcement)! Read more → The post 8 Key Lessons from the Ultralearning Experiment (and a Huge Announcement) appeared first on Mad Fientist.... Read more »Published: October 2, 2020 - 10:22 am
- mp3Morgan Housel – The Psychology of MoneyOne of my favorite writers, Morgan Housel, shares the investing lessons he's learned from COVID-19, history, and other academic fields! Read more → The post Morgan Housel – The Psychology of Money appeared first on Mad Fientist.... Read more »Published: September 10, 2020 - 8:45 am
Mad Fientist
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- Reader Case: No Degree. No Problem.Going through the reader cases in our inbox today, this one immediately caught my eye. Specifically, because of this sentence: “it may expand some reader’s horizons and remove the stigma towards tradespeople”. As someone who grew up being taught under no circumstances should I ever consider getting a certificate in... Read more »Published: March 1, 2021 - 2:30 pm
- Is It Time To Buy a Condo?This pandemic has really done a number on the housing market. Busy metropolitan cities like New York, London, and Madrid that were previously red-hot became radioactive as the pandemic shut downtown cores down. The closing of amenities like cafes, restaurants, and gyms and the shift to remote work made thousands... Read more »Published: February 22, 2021 - 2:30 pm
- How to Negotiate Rent Part 2Following my last post on negotiating rent on a new place, here’s how you negotiate rent on your existing place: Do you pay rent on time? Take good care of your rental? Don’t nitpick on every light bulb that needs to be changed and bombard your landlord with endless demands?... Read more »Published: February 15, 2021 - 2:30 pm
- Reader Case: Dentist in DebtGross/net annual income – ~$125000 USD. I recently got a job in the public sector, but am hoping to get a part time job in the private sector to supplement my income. Monthly spending Rent – 1225 (just moved to a cheaper place. I live in PDX.) Disability Insurance – 216... Read more »Published: February 12, 2021 - 2:30 pm
- How to Negotiate Rent“Toronto Rents are Down a Whopping 20% Since Last Year” “San Francisco’s 35% Plunge in Rents Shows Effects of Tech Fleeing City” “Manhattan Rents Drop To 10-Year Lows” One of the (very few) bright spots of the pandemic is the precipitous fall of rents in big cities—places where... Read more »Published: February 8, 2021 - 2:30 pm
Millennial Revolution
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- How Much House Can You Really Afford?Google “How much house can I afford?” and you’ll be awash in a sea of mortgage lenders. This is the mindset that younger people and the average consumer must take when it comes to buying a home: How much will a financial institution loan to me? And many, sadly, make... Read more »Published: March 1, 2021 - 1:00 pm
- February 2021 Best of the WebI was originally attracted to this blog by Darrow’s consistent focus on the things that really matter. It helped me to improve my financial situation and use my money to live my best life. Like many of you, I’ve gotten sucked into articles, podcasts, social media posts, etc. this month... Read more »Published: February 22, 2021 - 1:30 pm
- Do High 401(k) Fees Outweigh Benefits of Participating?Work sponsored retirement plans including 401(k), 403(b), Simple IRA, or Thrift Savings Plans have several key features that make them valuable tools to save for retirement. They provide an easy way to automate investment contributions, free money via employer matches, and potentially lucrative tax benefits. What’s not to like? In... Read more »Published: February 15, 2021 - 2:31 pm
- Do You Need Good Luck to Achieve Financial Independence?Do you need to be lucky to achieve financial independence and retire early (FIRE)? A popular narrative says you do. Emma Pattee expressed this point of view in a recent article. I found it when it was shared and praised on social media. Pattee achieved financial independence in less than... Read more »Published: February 8, 2021 - 3:18 pm
- Case Study: Retiring Before a Stock Market CrashAfter recently disclosing my portfolio voyeurism, a reader, J.C., sent me an email sharing his financial information. He’s been tracking his numbers with great detail since December 2007. He retired just months before the financial crisis. His portfolio dropped nearly 39% between years end 2007 and 2008. He withdrew over... Read more »Published: February 1, 2021 - 1:00 pm
Can I Retire Yet?
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- January 2021 Early Retirement UpdateY'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 »Published: February 8, 2021 - 10:30 am
- December 2020 Early Retirement Update2020 is (finally) over. What to say? Overall it was a pretty good year for us. The complete lack of traveling wasn't great. Wearing masks is no fun. But we persevered and survived and got to enjoy another year of early retirement. In December, we enjoyed the moderate North Carolina... Read more »Published: January 12, 2021 - 10:30 am
- November 2020 Early Retirement UpdateWell folks, we've almost made it through 2020! Thanksgiving is over and the Christmas/New Years holidays are rapidly approaching. Even though the way we celebrate these holidays will likely look different this year, they are always something I look forward to. In November, we were able to get outside a... Read more »Published: December 8, 2020 - 10:30 am
- October 2020 Early Retirement UpdateHappy November! With Halloween behind us and Thanksgiving just around the corner, life is pretty fun right now. The weather here in North Carolina is beautiful this time of year with generally cool nights and pleasant days. And the leaves on the trees grow more vibrant each day. We did... Read more »Published: November 12, 2020 - 10:30 am
- September 2020 Early Retirement UpdateAnother fun month has flown by! Mrs. Root of Good and I should be driving through Northern Spain right now. Instead, we are keeping busy here in North Carolina while enjoying this wonderful fall weather. The kids are busy with virtual school during the days. Evenings and weekends are pretty... Read more »Published: October 12, 2020 - 9:30 am
Root of Good
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- Littlewoods’ 3rd Birthday and Other February 2021 ExpensesEvidently February is a short and boring month. We didn’t buy anything interesting or story-worthy or unusual. So instead of talking about what we DID buy, I’ll talk about what we didn’t buy. Littlewoods’ Birthday Littlewoods, so named as the littlest Frugalwood, turned three in February! And what you won’t... Read more »Published: March 3, 2021 - 3:00 pm
- This Month On The Homestead: Bonfires In The Snow and Leisure CilantroJanuary 2021 We are in the season of snow every day. Maybe a lot, maybe a trace. There’s no forecast to tell us what’ll happen: we look outside, we bring in more fire wood. It dips into single digits every night and still, we go outside every day. We hike,... Read more »Published: February 23, 2021 - 3:26 pm
- Reader Case Study: Looking to Leave LA?Kate is 30 and lives in LA with her kitten Cashew. She works in payroll at a university, which is a stable job with great benefits and low stress. As she approaches the five-year mark in her current position, she’d like to examine her options for moving to a lower... Read more »Published: February 18, 2021 - 2:37 pm
- Reader Suggestions for a Wallet and COVID-safe Valentine’s DayI am not usually a Valentine’s Day type of person. It’s a commercialized, chintzy, kinda made-up holiday. I even once wrote a screed on why it’s dumb: A Frugal Weirdo’s Anti-Valentine’s Day Manifesto. But let me tell you, this year, I am ON BOARD. Sign me up for ALL the... Read more »Published: February 12, 2021 - 3:06 pm
- Fruit Trees And Other January 2021 ExpensesWe’re planting a pear, peach, apple and elderberry orchard this spring! Because why not. In a year (two years?) of unrest and insanity, why not plant an entire fruit orchard. We have a long-standing goal of expanding the perennial foods we grow and this’ll be our latest and largest undertaking.... Read more »Published: February 5, 2021 - 2:55 pm
Frugalwoods
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- 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 »Published: February 11, 2021 - 9:16 pm
- 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 »Published: December 24, 2020 - 6:13 pm
- How to give when you have a businessA 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 »Published: June 13, 2020 - 12:45 am
- Investing with Vanguard for Europeans: 2020 updatePlease Note: If you are outside Europe and the US, please be sure to read thru the comments on the original of this post. They have become a valuable forum for investors from all over the world. Who knew? Certainly not I. This all started when I wrote a series... Read more »Published: April 22, 2020 - 5:40 am
- Part XVII-B: ETF vs. Mutual Fund — What’s the difference?While I touched on it in Part XVII, the differences between ETFs and Mutual Funds is a recurring question here. Perhaps I should have covered it better. Let’s do that now. We’ll use VBTLX and its ETF version, BND, as examples since those were my choices in my most recent move.... Read more »Published: April 14, 2020 - 11:16 pm
JLCollinsnh
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- This Dividend Stock Just Announced A Mammoth 20.5% Dividend IncreaseThe dividend growth investing strategy has totally changed my life. What’s this strategy all about? Well, it’s about investing in world-class enterprises that pay reliable, rising cash dividends to shareholders. I want to tell you about three recent dividend increases by dividend stocks that may have given a big boost... Read more »Published: March 5, 2021 - 11:35 am
- How To 4x Your Next $1,400 Stimulus Check With These 2 InvestmentsLooking to invest your next stimulus check? Would you like to triple, quadruple, or even quintuple your $1,400? Want to also collect safe, growing passive income along the way? I know of two investments that could potentially quadruple your money. For more on these two high-quality dividend growth stocks, check... Read more »Published: March 4, 2021 - 11:04 am
- 3 Stocks To Own Under President Biden For Dividend Growth InvestingA new sheriff’s in town. President Biden’s regime is just now getting started. What does this mean for investors? What does this mean for our money? For more on three high-quality dividend growth stocks that look especially attractive under President Biden, check out our latest video HERE. What do you... Read more »Published: March 3, 2021 - 11:32 am
- This Dividend Growth Stock Just Crushed Earnings (And It’s Cheap Right Now)Would you like to add some certainty to your portfolio? Want to know about a stock with a business model that’s almost guaranteed? Like the idea of collecting market-beating dividend income that’s safe and growing? This stock offers all of that – and then some. For more on this high-quality... Read more »Published: March 1, 2021 - 12:31 pm
- Undervalued Dividend Growth Stock Of The WeekEvery Sunday, I uncover a high-quality dividend growth stock that appears to be undervalued. These pieces are published at Daily Trade Alert, which is a site that focuses on dividend growth investing, stocks, and unique investment opportunities. I’ve been writing for them for years now, and they’re just great over... Read more »Published: February 28, 2021 - 11:22 am
Mr. Free At 33
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- Money Lesson You Forgot to Teach Your ChildrenHere is what I said to Brooke, "Do you know what unconditional love is?" She nodded. "Well, mom, Heather and I love you unconditionally. We love you and will never stop loving you. Ever! I know we work hard to be frugal and save and invest. But this is why.... Read more »Published: December 21, 2020 - 5:49 pm
- Bill Gates, Elon Musk and Books for SuccessThe books the most successful people alive today recommend might surprise you. Elon Musk mentions The Lord of the Rings and Douglas Adams's Hitchhikers Guide to the Galaxy more than once when listing must-read books. These books might seem like strange choices, but when you think about it these and... Read more »Published: November 13, 2020 - 12:02 pm
- Deduct Work Expenses When Working From HomeThe timing could not have been worse for remote workers. The Tax Cuts and Jobs Act of 2017 nixed the deduction for work from home expenses and other unreimbursed employee business expenses. Prior to the TCJA it wasn't the best deduction in the world either. You had to itemize to... Read more »Published: October 28, 2020 - 6:12 pm
- 5 Things Millionaires Spend OnWhen it comes to the blogs and other tracts providing information on building wealth, frugality carries most of the weight. And it makes sense. The greater the difference of income over spending is a strong determinant of the level of wealth an individual will achieve during their lifetime as compared... Read more »Published: October 9, 2020 - 4:13 am
- The Financial Agony of COVID-19: Part IIFive months ago COVID-19 was just getting started. Fear was rampant. People and businesses made rushed decisions with long-term consequences. In the U.S. fewer than 10,000 people had died from the virus, yet fear was many more would die. Over concerns clients and readers (that is you my kind friends)... Read more »Published: September 24, 2020 - 1:26 pm
The Wealthy Accountant
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- Retire Early Without Harming Others // A Hard Look at FIRE and Racial InequalityMy last post was about how the discourse of the FIRE community upholds systemic racism, but today's is much more personal. This is about how our choices as individuals -- as investors, as people choosing where to live, as earners, as tax payers and as charitable givers -- impact and... Read more »Published: June 29, 2020 - 10:19 pm
- How the Personal Finance Sphere Upholds Systemic RacismIt's deeply uncomfortable for a lot of us, white Americans especially, to talk about race. But if we care about helping people with their finances, or about not upholding systemic racism built into our system, we have no choice but to talk about it. Here is the tough but necessary... Read more »Published: June 1, 2020 - 9:26 pm
- Recession, Coronavirus and the Future of FIREWe'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 »Published: March 25, 2020 - 7:20 am
- Doing the Thing That Scares YouOne 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 »Published: February 12, 2020 - 8:57 am
- Two Years of Early Retirement // Impact, Lessons and Future ChangesIt's exactly two years since we waved goodbye to our careers and embarked on our early retirement, what we always thought of as our next life. Now we're reflecting on what we've learned and accomplished in these first two years of this next chapter of life, along with what we... Read more »Published: December 16, 2019 - 8:46 am
Our Next Life
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- ● Why Aren’t More Doctors Wealthy?As you might have heard or read, particularly if you’re familiar with The Millionaire Next Door, physicians are known to ... Read more... Read more »Published: March 6, 2021 - 8:55 am
- Being a FIRE Millionaire Doesn’t Mean You’re RichYou’re a millionare? Cool! You achieved financial independence and retired early? Awesome. Just don’t go thinking that makes you rich. ... Read more... Read more »Published: March 5, 2021 - 8:55 am
- Why FIRE Was This Burned Out Doc’s Only Way OutWhen does a fiscally responsible physician dealing with burnout know when it’s time to play the financial independence card? As ... Read more... Read more »Published: March 4, 2021 - 8:55 am
- 4 Physicians 2021: Dr. A & the Impact of Working After FIIn the updated Tale of 4 Physicians 2021, we analyzed the impact of different spending budgets on wealth creation. Each ... Read more... Read more »Published: March 2, 2021 - 8:55 am
- The Sunday Best (2/28/2021)The Sunday Best is a collection of articles I’ve curated from the furthest reaches of the internet for your reading ... Read more... Read more »Published: February 28, 2021 - 8:55 am
Physician on FIRE
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- ● Why Aren’t More Doctors Wealthy?As you might have heard or read, particularly if you’re familiar with The Millionaire Next Door, physicians are known to ... Read more... Read more »Published: March 6, 2021 - 8:55 am
- Being a FIRE Millionaire Doesn’t Mean You’re RichYou’re a millionare? Cool! You achieved financial independence and retired early? Awesome. Just don’t go thinking that makes you rich. ... Read more... Read more »Published: March 5, 2021 - 8:55 am
- Why FIRE Was This Burned Out Doc’s Only Way OutWhen does a fiscally responsible physician dealing with burnout know when it’s time to play the financial independence card? As ... Read more... Read more »Published: March 4, 2021 - 8:55 am
- 4 Physicians 2021: Dr. A & the Impact of Working After FIIn the updated Tale of 4 Physicians 2021, we analyzed the impact of different spending budgets on wealth creation. Each ... Read more... Read more »Published: March 2, 2021 - 8:55 am
- The Sunday Best (2/28/2021)The Sunday Best is a collection of articles I’ve curated from the furthest reaches of the internet for your reading ... Read more... Read more »Published: February 28, 2021 - 8:55 am
Physician on FIRE
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- Death Pledge R UsGwen goes into the details of why and how her and her partner decided to buy a house toget... Read more »Published: March 4, 2021 - 12:30 pm
- Monthly Status Report: January 2021Gwen goes over her monthly status report for January 2021 to detail her spending, saving, and retirement budgets.... Read more »Published: February 22, 2021 - 12:00 pm
- 2020 Goals Recap and 2021 ResolutionsGwen reflects on the goals she set in 2020 and the theme and resolutions of 2021.... Read more »Published: February 20, 2021 - 1:00 pm
- Year in Review: 2020Huzzah! We are done with 2020! What a huge relief. In some ways, 2020 was a great year for me. It was also simultaneously a horribly wretched year at the exact same time. The first few months of the year were off to a fantastic start. I started getting settled... Read more »Published: January 15, 2021 - 2:08 pm
- Monthly Status Report December 2020Disclaimer: some links may be affiliate links. They help offset the cost of keeping this blog running! Why do I do a monthly status report? I find it best to do a monthly status report for a few reasons. It helps me evaluate how I did the previous month. Did I hit a target reduction in spending or did... Read more »Published: January 6, 2021 - 12:00 pm
Fiery Millennials
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- ● Re: Getting out of car leaseTry CarMax. A friend in CA got out of her Honda Civic lease after she lost her job last year. CarMax actually gave her more than the lease buyout amount, and she walked away with $1400.From their site " In most cases, you can sell your leased car in a...... Read more »Published: March 7, 2021 - 2:06 am
- ● Re: Trump outrage of the dayQuote from: nereo on Today at 05:46:20 PMQuote from: scottish on Today at 08:21:53 AMQuote from: FIPurpose on March 05, 2021, 10:40:23 PM[quote author=...... Read more »Published: March 7, 2021 - 2:05 am
- ● Re: First Time Home Seller - Advice?Day 35 showings. I don't think anyone from today expressed interest.I countered the first offer by asking for $5,000 more, to offset the amount they asked for in closing costs. They just rejected it.The fabled "second offer" has not been made yet....... Read more »Published: March 7, 2021 - 2:00 am
- ● Re: How much of a stimulus check are you expecting and how are you going to spend i?Thanks for the calculator! Based on that, for our family of three we'll get $678, which will make up for the $443 I just paid the IRS because TurboTax did some funky calculation on our 2017 tax return.... Read more »Published: March 7, 2021 - 1:59 am
- ● Re: PSA: For those able, a good time for starting investingTwo thumbs up!... Read more »Published: March 7, 2021 - 1:54 am
The Money Mustache Community
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- ● ERE Journals • Re: What I SpendI recently read Goodbye, Things.My post-work decompression must be progressing, because I spent the better part of today sorting the basement. There was a surprising amount of easy stuff - empty boxes, old papers, etc. The bigger challenge is items I still like, but stopped using. Cool stuff like:Playstation 3Original... Read more »Published: March 7, 2021 - 12:59 am
- ● Resources & Recommended Reading • Re: Resources and recommend watchingi just finished watching "eating animals"https://www.imdb.com/title/tt2180351/goddamn...Statistics: Posted by Alphaville — Sat Mar 06, 2021 7:31 pm... Read more »Published: March 7, 2021 - 12:31 am
- ● Lifestyle Questions • Re: Purchasing a new laptopA few month ago, I even had an Java app that I couldn't open on my newer Macbook that opened without problem on the iMac... YMMVah! you use photoshop... was it gimp? i stopped using java long ago over security concerns...Statistics: Posted by Alphaville — Sat Mar 06, 2021 6:51... Read more »Published: March 6, 2021 - 11:51 pm
- ● ERE Journals • Re: CDR's JournalJanuary 2021 Finance Update:Savings Rate: 81.19%I spent significant amount of money on repair parts for the broken PS2 Controllers. I also had some dentist visits. Since my previous job did not have insurance, I had to pay for that out of pocket. The new job has extra medical insurance, as... Read more »Published: March 6, 2021 - 10:34 pm
- ● Money Questions • Re: Rebalancing - How to, when and so onHow are you planning on unwinding the Betterment portfolio? You have a much more complicated question than you might realize given potential locked in capital gains and a large number of stocks.You might want to break this into two parts therefore. Then, how do you unwind Betterment? How do you... Read more »Published: March 6, 2021 - 10:05 pm
Early Retirement Extreme Forums
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- ● ERE Journals • Re: What I SpendI recently read Goodbye, Things.My post-work decompression must be progressing, because I spent the better part of today sorting the basement. There was a surprising amount of easy stuff - empty boxes, old papers, etc. The bigger challenge is items I still like, but stopped using. Cool stuff like:Playstation 3Original... Read more »Published: March 7, 2021 - 12:59 am
- ● Resources & Recommended Reading • Re: Resources and recommend watchingi just finished watching "eating animals"https://www.imdb.com/title/tt2180351/goddamn...Statistics: Posted by Alphaville — Sat Mar 06, 2021 7:31 pm... Read more »Published: March 7, 2021 - 12:31 am
- ● Lifestyle Questions • Re: Purchasing a new laptopA few month ago, I even had an Java app that I couldn't open on my newer Macbook that opened without problem on the iMac... YMMVah! you use photoshop... was it gimp? i stopped using java long ago over security concerns...Statistics: Posted by Alphaville — Sat Mar 06, 2021 6:51... Read more »Published: March 6, 2021 - 11:51 pm
- ● ERE Journals • Re: CDR's JournalJanuary 2021 Finance Update:Savings Rate: 81.19%I spent significant amount of money on repair parts for the broken PS2 Controllers. I also had some dentist visits. Since my previous job did not have insurance, I had to pay for that out of pocket. The new job has extra medical insurance, as... Read more »Published: March 6, 2021 - 10:34 pm
- ● Money Questions • Re: Rebalancing - How to, when and so onHow are you planning on unwinding the Betterment portfolio? You have a much more complicated question than you might realize given potential locked in capital gains and a large number of stocks.You might want to break this into two parts therefore. Then, how do you unwind Betterment? How do you... Read more »Published: March 6, 2021 - 10:05 pm
Early Retirement Extreme Forums
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- A Kinder Means TestingNow 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 »Published: February 8, 2021 - 11:00 am
- And I'm OutI 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 »Published: January 25, 2021 - 1:00 pm
- Baby, BabyLike 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 »Published: November 23, 2020 - 1:00 pm
- VideoThe Justice We ChooseI don't know what to write about Justice Ruth Bader Ginsburg passing. I only know enough to be dangerous about her tenure on Supreme Court, the significance of her service, or what this will mean for the nation.I think I know what will happen next in the Senate. Republicans will... Read more »Published: September 21, 2020 - 12:00 pm
- FIRE Buys You Class...Whether You Want it or NotPursing financial independence is an exercise in class mobility. No matter what economic class you start in, or what class you like to tell people you're a member of, when you have enough money to never have to work again, you're functionally wealthy: you're now part of the upper class.Doing... Read more »Published: September 14, 2020 - 12:00 pm
Done by Forty
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- A Guest “Worth vs. Worth It” Post: Is It Worth Your Life?Is Your Crap Really Worth It? By “It” I Mean Your Life I was at an estate sale. Among the hundreds of cups and glasses, I bought a dozen for $3. Inside the house, passing a glass-encased wall display of ceramic dolls, I went to the basement. It was wall... Read more »Published: December 15, 2020 - 10:07 pm
- The Pension Series (Part 24): The Golden Albatross vs. Black PensionsAccess to Defined Benefit pensions for Black workers was a Civil Rights issue in the 1950s and 60s. As a result, Black workers are still overrepresented in pension producing public sector and unionized jobs today. This article deep dives on the issue, and recommends modifications of The Golden Albatross pension... Read more »Published: October 9, 2020 - 8:36 am
- The Pension Series (Part 23): Organizational Culture and Pension SignalsUnderstanding your organization's culture can help you interpret their pension signals. The post The Pension Series (Part 23): Organizational Culture and Pension Signals appeared first on The Golden Albatross.... Read more »Published: July 13, 2020 - 12:53 pm
- The Pension Series (Part 22): Analyzing Public Pension Plan SafetyHow Safe Is My Pension? Pension plan safety is one of the most popular and relevant topics among the potential pensioners who read my blog. It’s popular because much like Social Security, chronic underfunding of certain types of pensions receives a lot of bad press in the U.S. As a... Read more »Published: June 21, 2020 - 1:05 pm
- Worth vs. Worth It: Stretching Out The Family VanLooking for practical examples of the Worth vs. Worth It decision making cycle in action? Then this is your article. Friend of the blog, Chris Pascale, used it when deciding to replace his family's mini-van. The post Worth vs. Worth It: Stretching Out The Family Van appeared first on The... Read more »Published: June 14, 2020 - 9:59 am
The Golden Albatross
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- Net Worth Report #6 – “Half a Dozen!”The post Net Worth Report #6 – “Half a Dozen!” appeared first on Budgets Are Sexy. My wife and I made a pretty big investment change last month … We withdrew $35,000 from our brokerage account, took another $15,000 in cash, and invested it all into a new real estate... Read more »Published: March 5, 2021 - 5:00 am
- J. Money Is Alive! And He Launched a New Curation Site… All-Star Money!The post J. Money Is Alive! And He Launched a New Curation Site… All-Star Money! appeared first on Budgets Are Sexy. He’s back! The infamous J. Money who started this sexy blog over a decade ago has emerged! And he’s here today to tell us all about his new project... Read more »Published: March 1, 2021 - 10:30 am
- VideoSell your poop 💩 for money?The post Sell your poop 💩 for money? appeared first on Budgets Are Sexy. Did you know you can actually sell your poop for money?! I know, it sounds gross. OK, it is gross. But it’s actually part of a pretty cool advanced medical process called fecal microbiota transplantation (FMT).... Read more »Published: February 26, 2021 - 10:30 am
- How Covid Is Changing Americans’ Retirement PlansThe post How Covid Is Changing Americans’ Retirement Plans appeared first on Budgets Are Sexy. Happy Monday! Who’s ready for kick-ass week? 🙋🏼♀️🙋🏽🙋♂️ I’ve been reading a survey conducted by our friends over at Personal Capital that reveals some interesting info about how covid has affected people’s retirement plans. Some... Read more »Published: February 22, 2021 - 10:30 am
- Is It a Mistake to Pay Off Your Mortgage Early?The post Is It a Mistake to Pay Off Your Mortgage Early? appeared first on Budgets Are Sexy. My friend Christine just reached a pretty huge financial milestone… She and her husband have paid off their mortgage and now own their home free and clear! Woohoo! This is a life... Read more »Published: February 19, 2021 - 10:30 am
Budgets Are Sexy
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- mp3301| Money and Relationships | Part 2What are you getting hung up on with relationships and money? We continue the conversation in Part 2 of the Relationships and Money series with Jillian Johnsrud. Although March is finally here and the sunshine is motivating Jonathan to push away the processed carbs in favor of broccoli and hummus,... Read more »Published: March 5, 2021 - 6:00 am
- mp3300 | Relationships and Money | Jillian JohnsrudMoney is one of the top three things people struggle to communicate with, falling right below sex and above our reasons and motivations for work. In her coaching practice, Jillian finds clients will be very open in one-on-one sessions, but when working with couples, it becomes much more uncomfortable. Jillian... Read more »Published: March 1, 2021 - 6:00 am
- mp3299 | What's Stopping You from Reaching FI?It's ChooseFI's first live radio show! Recorded live on Tuesdays at 7:30 pm Eastern using an app called Stereo, the live shows will be replayed for the Friday Roundup episode. The topic of this interactive live show is: “What is stopping you from reaching financial independence?”. Lorraine has a question... Read more »Published: February 26, 2021 - 6:00 am
- mp3298 | Habits For Wealth Building | Rich and RegularWe are checking back in with our Households of FI family, Martin and Ayesha, who have been paired with mentors, Julien and Kiersten of Rich and Regular. Kiersten and Julien live in Atlanta and started working toward FIRE before they married five to six years ago and have paid off... Read more »Published: February 22, 2021 - 6:00 am
- mp3297 | From Pandemic Layoff to $100k+ | A Salesforce Success Story |Anita Smith and Bradley RiceWhat You'll Get Out Of Today's Show If you are willing to look outside your comfort zone, grab good information, and take action on it, you can change your life in a matter of weeks or months. One of the hardest-hit industries during the pandemic has been hospitality. Working in... Read more »Published: February 19, 2021 - 6:00 am
ChooseFI
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- Home Depot Military Discounts – How to Save 10% on Purchases at Home DepotHome Depot is one of the most popular hardware store chains in the United States. So, it comes as no surprise that they offer a variety of different promotions to keep their customers interested. Though most promotions and discounts are provided for a particular event, holiday, or time of year,... Read more »Published: February 24, 2021 - 4:12 pm
- 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 »Published: January 14, 2021 - 4:00 pm
- 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 »Published: December 31, 2020 - 4:00 pm
- 2021 VA Disability Compensation Rates – Updated Veterans Compensation Benefits Rate TablesThe 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 »Published: December 4, 2020 - 4:24 pm
- 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 »Published: November 19, 2020 - 4:00 pm
Military Guide
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- Getting a Spanish Driver’s LicenseGetting a Spanish Driver's License is intimidating. I'll break down each step of the process and help you get on the road with your very own EU license. The post Getting a Spanish Driver’s License appeared first on The Frugal Vagabond.... Read more »Published: October 5, 2020 - 4:00 pm
- Living Abroad: Five Essential Survival SkillsLiving abroad is as alluring as it is polarizing. Five skills that will make your life abroad a success. The post Living Abroad: Five Essential Survival Skills appeared first on The Frugal Vagabond.... Read more »Published: March 2, 2020 - 2:00 pm
- Spanish Non-Lucrative Visa RenewalSpain can get under your skin. In the course of living here for the full first year of our non-lucrative visa, we’ve come to love our home, our city, Spanish food and culture, and most of all, the close friends… The post Spanish Non-Lucrative Visa Renewal appeared first on The... Read more »Published: August 22, 2019 - 1:32 pm
- Surgery in Thailand: Bumrungrad International HospitalI seek treatment at Bumrungrad International Hospital for a growth in my chest. How did it go? Was it cost effective to travel to Thailand for medical care? The post Surgery in Thailand: Bumrungrad International Hospital appeared first on The Frugal Vagabond.... Read more »Published: February 7, 2019 - 2:00 pm
- Semi-FIRE Abroad: Ordinary Days, Extraordinary LifeWe've been living here in Spain for about four months now, so how is it going? Is it everything we'd hoped for? What do we miss most (and what do we not miss at all)? Just what are we doing with all that spare time? The post Semi-FIRE Abroad: Ordinary... Read more »Published: July 22, 2018 - 9:00 pm
The Frugal Vagabond
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- 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 »Published: December 13, 2020 - 11:02 pm
- VideoPodcast Interview with Superb Diamond RangeGreat News: We’re Still Healthy! Warm quarantine greetings from swampy South Georgia! Tomorrow starts week 3 of no school for us (and most of the country). All in all, our daily life is pretty normal except that we no longer have jobs to report to. It’s almost like we’ve re-FIRE’d... Read more »Published: March 29, 2020 - 9:59 pm
- Adiós 2019 y Bienvenidos 2020Okay, I know this post is late, but here it is. Before I get into last year’s accomplishments and this year’s goals, it’s worth mentioning that there are many things in life that are more important than money: family, community, faith, health, and love. As I write these words, the... Read more »Published: March 24, 2020 - 3:01 pm
- Podcast Interview with One Million ApplesHappy New Year! I just wanted to let you know that I did an interview with Breanna Reish of the One Million Apples podcast. We talked about our 2019 hardcore savings, geo-arbitrage, my Twitter “rants,” and my never-ending obsession with Bigfoot. I hope you enjoy the interview. Gerry... Read more »Published: January 2, 2020 - 6:32 pm
- 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 »Published: November 26, 2019 - 1:09 pm
The Millionaire Educator
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- mp3Video#155: How to Estimate Rehab Costs For Investment Properties - Interview With J ScottEpisode #155 - Real estate investing usually involves rehabbing (aka remodeling) a property. But how do you estimate rehab costs and decide what repairs need to be done if you're not a remodeling expert? In this episode, J Scott, the author of The Book on Estimating Rehab Costs and The... Read more »Published: March 1, 2021 - 10:00 am
- mp3Video#154: Career Capital - Financial Independence Isn't the Only Way to Get Personal Freedom & AutonomyEpisode #154 - Learn how to get more autonomy & freedom before you even reach financial independence using something called career capital. Companion article: https://www.coachcarson.com/career-capital/ __________ 🏘️REAL ESTATE IN YOUR RETIREMENT ACCOUNT? This is a strategy I've used successfully for years, but you've got to make sure you have a... Read more »Published: February 22, 2021 - 10:00 am
- mp3Video#153: How to Build Unshakable Confidence as a Real Estate InvestorEpisode #153 - Where do elite athletes, risk-taking entrepreneurs, & extreme sport enthusiasts get their unshakable confidence? Is it something they’re born with? While we're all born with potential & talent, confidence is something each of us can build and learn. In this episode, you'll learn the specific steps and... Read more »Published: February 15, 2021 - 10:00 am
- mp3Video#152: How an NFL Athlete Used Real Estate Investing to Create $300,000 per year of Passive Cash FlowEpisode #152 - NFL athlete Devon Kennard is an elite athlete who worked hard for football success. But he learned earlier in life that fortunes can change quickly. So even as he made large NFL salaries, he's lived modestly (including driving his high school car for 2 years while in... Read more »Published: February 8, 2021 - 10:00 am
- mp3Video#151: The 7 Essential Real Estate Team Members You Can't Do WithoutYou are the star of your real estate investing business, but real estate is a team sport. This episode shares the 7 key team members you need to successfully buy investment properties. You'll also learn how to find the right team members, even if you're busy with a full-time job. ... Read more »Published: February 1, 2021 - 10:00 am
Real Estate & Financial Independence Podcast
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- Use Bad Pricing Estimates By Zillow And Redfin To Your AdvantageBad pricing estimates by Zillow and Redfin are commonplace. Despite starting in 2004, Zillow’s estimates are especially unreliable for some reason. Over years of comparing the two, I’ve noticed Redfin’s pricing estimates are more accurate. Further, Redfin is much quicker to update the final sales price of a home after... Read more »Published: March 5, 2021 - 6:18 pm
- Why Real Estate Is Less Risky Than Stocks And The Irony That FollowsThere is a never-ending debate between real estate versus stocks as a better investment. Currently, ~40% of my net worth is in real estate while ~30% of my net worth is in stocks. Perhaps the main reason why is because I believe real estate is less risky than stocks. As... Read more »Published: March 3, 2021 - 9:29 pm
- Buying Stocks On Margin Is A Bad Idea: You Could Easily Lose EverythingIn general, buying stocks on margin is a bad idea. However, the idea of buying stocks on margin has increased due to a long bull market and a drop in interest rates. More people are trying to get rich as quickly as possible thanks to what we see and hear... Read more »Published: March 1, 2021 - 11:48 pm
- The Ideal Financial Scenario In Retirement: Conservative Returns, Steady IncomeThe ideal financial scenario in retirement is steady income and conservative returns. Financial loss creates stress. And given stress kills, your goal as a retiree should be to remove as much stress from your life as possible. Recently, I’ve been thinking about being OK with no longer making a lot... Read more »Published: February 28, 2021 - 11:18 am
- Commercial Real Estate Outlook 2021 – CrowdStreet SurveyAfter the unforeseen volatility of 2020, CrowdStreet wanted to know how individual investors were thinking about real estate investing in 2021. CrowdStreet was able to conduct a survey with 1,200 respondents, one of the largest of its kind. The survey results provide an insightful commercial real estate outlook for 2021... Read more »Published: February 24, 2021 - 3:28 pm
Financial Samurai
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- mp3#304: Ask Paula & Joe – Help! I Can Only Save $200 a Month[smart_track_player url="https://traffic.libsyn.com/secure/paulaandjaymoney/AA304.mp3" title="Ask Paula: Help! I Can Only Save $200 a 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" ] Paige and her fiancé have two autumn 2021 goals: save for a wedding and an emergency fund. There’s one problem: they only have around $200 per month... Read more »Published: March 5, 2021 - 6:06 pm
- mp3#303: A World Without Email, with Cal Newport[smart_track_player url="https://traffic.libsyn.com/secure/paulaandjaymoney/AA303.mp3" title="A World Without Email, with Cal Newport" artist="Paula Pant" social="true" social_twitter="true" social_facebook="true" social_gplus="true" social_linkedin="true" social_stumble="true" social_pinterest="true" social_email="true" ] Wouldn't it be nice if our inbox magically managed itself? Let's go a step further. What if we could live in a world without email? Email overload takes a real... Read more »Published: March 3, 2021 - 2:26 pm
- mp3#302: The Financial Benefits of Optimism, with Michelle Gielan[smart_track_player url="https://traffic.libsyn.com/secure/paulaandjaymoney/AA302.mp3" title="The Financial Benefits of Optimism, with Michelle Gielan" 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" ] What comes to mind when you think about optimism? Yeah right, how can anyone be optimistic at a time like this? *eye roll* What fluff. Uh...does being optimistic about... Read more »Published: February 24, 2021 - 3:00 pm
- mp3#301: Ask Paula – How Can I Reach FIRE in 11 Years?[smart_track_player url="https://traffic.libsyn.com/secure/paulaandjaymoney/AA301.mp3" title="Ask Paula - How Can I Reach FIRE in 11 Years?" 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" ] Sarah wants to refinance her owner-occupied triplex, but she’s torn between a 15-year and a 30-year option. Which is better in her situation? Amelia is worried... Read more »Published: February 16, 2021 - 4:10 pm
- mp3#300: The Two-Fund Investment Portfolio, with Paul Merriman[smart_track_player url="https://traffic.libsyn.com/secure/paulaandjaymoney/AA300.mp3" title="The Two-Fund Investment Portfolio, with Paul Merriman" 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" ] Target date retirement funds are simple, automated, easy. The problem? What’s simple might not be optimal. Investment expert Paul Merriman joins us to discuss the two-fund portfolio, a mix of... Read more »Published: February 9, 2021 - 11:35 pm
Afford Anything
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- mp3How to Start a Charcuterie Board Business: $100k in Sales in 9 MonthsLast May, Monisha Misra reluctantly accepted her first customer. Nine months later, she'd eclipsed $100k in total sales -- all on the side from her day job. BoardsByMo.com is a charcuterie board prep company, and the early success and attention in that arena has spun off other revenue streams including... Read more »Published: March 4, 2021 - 10:00 am
- mp310 Reasons to Buy a Laundromat Business as Your Next Side HustleAre laundromats "the ultimate side hustle," like my guest Jordan Berry described? These simple, local, cash-flowing businesses have been around forever, but surprisingly this is the first time discussing them in detail on the show.... Read more »Published: February 25, 2021 - 10:00 am
- mp3How a New Blogger Went From Zero to $20k in 12 MonthsFrom burned out freelance writer - to making $200+ per day in affiliate sales in less than a year. That’s Tami Smith's story. Tami was writing affiliate content for clients when she had a “why don’t I try that?” moment. With that, FitHealthyMomma.com was born.... Read more »Published: February 18, 2021 - 10:00 am
- mp3Fear of Selling, Protecting Ideas, Podcasting and More: 20 Questions with NickIt’s time to dive into the ol’ listener mailbag and answer a few questions in this week’s edition of The Side Hustle Show. I’ve had quite a few interesting questions come in since the last Q&A episode, and picked 20 to talk through in today’s show.... Read more »Published: February 11, 2021 - 10:00 am
- mp3Built to Sell: Design a Business to Run Without YouService businesses can get a bad rap. After all, there are still clients to deal with, there’s actual labor involved in fulfillment, they’re just not as glamorous as other more “passive” income models. But you should know that more side hustle show guests started with a service-based business model than... Read more »Published: February 4, 2021 - 10:00 am
Side Hustle Nation
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- mp3How to Start a Charcuterie Board Business: $100k in Sales in 9 MonthsLast May, Monisha Misra reluctantly accepted her first customer. Nine months later, she'd eclipsed $100k in total sales -- all on the side from her day job. BoardsByMo.com is a charcuterie board prep company, and the early success and attention in that arena has spun off other revenue streams including... Read more »Published: March 4, 2021 - 10:00 am
- mp310 Reasons to Buy a Laundromat Business as Your Next Side HustleAre laundromats "the ultimate side hustle," like my guest Jordan Berry described? These simple, local, cash-flowing businesses have been around forever, but surprisingly this is the first time discussing them in detail on the show.... Read more »Published: February 25, 2021 - 10:00 am
- mp3How a New Blogger Went From Zero to $20k in 12 MonthsFrom burned out freelance writer - to making $200+ per day in affiliate sales in less than a year. That’s Tami Smith's story. Tami was writing affiliate content for clients when she had a “why don’t I try that?” moment. With that, FitHealthyMomma.com was born.... Read more »Published: February 18, 2021 - 10:00 am
- mp3Fear of Selling, Protecting Ideas, Podcasting and More: 20 Questions with NickIt’s time to dive into the ol’ listener mailbag and answer a few questions in this week’s edition of The Side Hustle Show. I’ve had quite a few interesting questions come in since the last Q&A episode, and picked 20 to talk through in today’s show.... Read more »Published: February 11, 2021 - 10:00 am
- mp3Built to Sell: Design a Business to Run Without YouService businesses can get a bad rap. After all, there are still clients to deal with, there’s actual labor involved in fulfillment, they’re just not as glamorous as other more “passive” income models. But you should know that more side hustle show guests started with a service-based business model than... Read more »Published: February 4, 2021 - 10:00 am
Side Hustle Nation
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- Happiness: An AnalysisSubscribe To New Posts Here! The post Happiness: An Analysis appeared first on Accidental Fire.... Read more »Published: March 5, 2021 - 9:30 am
- The Year Without BeerMy neighbor invited me over to hang out on his patio the other day. He’s got a new fire pit and everyone loves a good fire in winter. He told me to bring some beers, and I said I’d bring... The post The Year Without Beer appeared first on Accidental... Read more »Published: March 2, 2021 - 9:15 am
- T.G.I.F. Friday: Volume 37Welcome to “Thank God I’m FI” Friday, Volume #37! Here are some things I really like and that you might too. Finance Articles Burnout, Variety, and Crop Rotation (The Escape Artist) – “The problem is not hard work. The... The post T.G.I.F. Friday: Volume 37 appeared first on Accidental... Read more »Published: February 26, 2021 - 9:15 am
- Is COVID Driving People From Cities?Regular readers know my background is in geography and geographic information systems, and I’ve done a lot of mapping posts related to finance. I also have a pretty sweet geoarbitrage resources page with tons of tools in one place to... The post Is COVID Driving People From Cities? appeared first... Read more »Published: February 23, 2021 - 9:15 am
- Congress Passes Bill That Sets Up Direct Deposit For Lobbyist DonationsWASHINGTON, D.C. – Frustrated with the often difficult and painful processes to get money from lobbyists and special interest groups into their own grubby hands, Congress today unanimously passed a bill that sets up direct deposits into their checking accounts,... The post Congress Passes Bill That Sets Up Direct Deposit... Read more »Published: February 19, 2021 - 9:30 am
Accidental Fire
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- MEUC: the unemployment insurance top-up no one is talking aboutBecome 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 »Published: February 21, 2021 - 9:11 pm
- How to apply to, enroll in, and attend collegeBecome 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 »Published: February 12, 2021 - 9:23 pm
- Book Review: Ron Lieber just wants to ask questions about college costs (that have obvious answers)Become a Patron!Before I was a travel hacker, I was a higher education hacker. In fact, the first glimpse I had behind the rickety infrastructure of the modern economy was when I made a last minute decision to study abroad and my university’s financial aid, which shouldn’t have been applicable,... Read more »Published: February 11, 2021 - 12:52 am
- The right and wrong lessons from the Gamestop trading fiascoBecome a Patron!Like everyone on the internet, for the last few days I’ve been following the fascinating and hilarious story of the little message board that made a small dent in the quarter-on-quarter performance of a few particularly poorly managed hedge funds. There are plenty of bad and a few... Read more »Published: January 28, 2021 - 8:58 pm
- Good reasons to own bondsBecome a Patron!For as long as I’ve been writing about money, I’ve been saying almost everybody owns too many bonds. My argument has nothing to do with “risk” or “volatility” or “rebalancing.” It’s much simpler than that: bonds don’t pay enough in interest. If and when they start paying more... Read more »Published: January 9, 2021 - 9:20 pm
Independently Financed
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- 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 »Published: August 11, 2020 - 1:53 pm
- Guest Post at Physician on FIREIf 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 »Published: January 3, 2019 - 10:09 pm
- 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 »Published: October 23, 2018 - 1:04 pm
- 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 »Published: September 18, 2018 - 2:27 pm
- How to Get Started Hunting MushroomsI 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 »Published: August 14, 2018 - 12:22 pm
Mr Crazy Kicks
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- How to Prepare for Life After ResidencyBurnout and Finance I was recently asked to speak to a bunch of medical residents about my story of burnout and my general philosophy on finance and life. I declined for a variety of reasons, but upon reflection I realized that this was a topic I had not addressed. This... Read more »Published: September 9, 2019 - 11:06 pm
- A Podcast, Guest Post, and Random MusingsHey philosophers, just wanted to let you know about a couple of small projects I participated in recently. I haven’t had much time or motivation to write these last couple of weeks. I have been paying the work price for my two week vacation to Alaska. Flexibility to take a... Read more »Published: August 5, 2019 - 6:50 pm
- 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 »Published: July 15, 2019 - 12:38 am
- Why A Physician Should Work Full-TimeAs an evangelist of part-time work for physicians, I occasionally get an e-mail from a physician reader asking if cutting back on work is the right move for them. Often times they are early in their training, and I’m not sure how to respond. I feel conflicted. I know what... Read more »Published: May 1, 2019 - 3:06 am
- 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 »Published: April 16, 2019 - 1:51 am
The Happy Philosopher
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- Life Can Be SO “Overwhelming”: How I Tame ItNow that I’m back to just having a single source of income, my adjunct position, I immediately have a crazy sense of pressure to “get back earning”, and “get a job” or “create a job” or “hit it big with day trading”, as soon as I study up a little... Read more »Published: March 1, 2021 - 9:31 pm
- 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 »Published: February 15, 2021 - 4:45 pm
- 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 »Published: February 8, 2021 - 3:51 am
- 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 »Published: February 1, 2021 - 5:34 am
- Perspective Affects EverythingJust because something does or doesn’t happen to you doesn’t necessarily mean that it doesn’t occur. The best example of this is the latest conversation that I had with my brother. For example, my whole life I felt like he, my sister and my mom had this strange close bond... Read more »Published: January 25, 2021 - 6:32 am
Slowly Sipping Coffee
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- Death Isn’t the EndBy Leo Babauta Recently a couple of our loved ones died, and my family have been hit by grief and loss. I’ve been letting myself feel it as much as I can, and letting it bring our family closer together. It’s not the only time death has hit our loved... Read more »Published: March 5, 2021 - 1:48 pm
- Staying at the Edge of UncertaintyBy Leo Babauta When we get into a situation that feels uncertain, most of us will immediately try to get to a place of certainty. Instead of writing a blog post, I’ll find myself wanting to check emails or my favorite websites. Instead of having a difficult conversation, we’ll stay... Read more »Published: March 3, 2021 - 2:05 pm
- First Two Steps to Creating ResilienceBy Leo Babauta When life is shaking us up and we’re feeling stressed … it can be tough to feel resilient. Resilience helps us to deal with the chaos and overwhelm … but how to we create it when we feel like we’re underwater? The first step is to remove... Read more »Published: February 27, 2021 - 2:05 pm
- Creating Impact When You’re OverwhelmedBy Leo Babauta Our lives can be chaotic and overwhelming, and we can feel like we’re struggling to stay afloat. We feel behind, stressed, distracted, undisciplined, unworthy. And in the middle of all of this, we want to do our meaningful work. We want to create an impact. How can... Read more »Published: February 25, 2021 - 1:54 pm
- Positive Feedback LoopsBy Leo Babauta Let’s say you want to be more disciplined about your day … you might tell yourself, “I’m going to wake every morning, meditate for 15 minutes, plan my Most Important Tasks, and then get started and follow the plan. No doubts about it.” And then your plan... Read more »Published: February 20, 2021 - 5:37 pm
zen habits
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- The Cheat Codes of FIFor those of you following along, you know I've been a bit busy lately. In addition to my own music, podcast, and software projects, I've also been popping up on other people's podcasts. A few weeks back I sang a few bars of Michael Bublé on The FI Show with... Read more »Published: May 1, 2019 - 3:38 pm
- FI Without REBack in November of 2017, a tired, burned out version of myself was pushed past his breaking point. After months of mandatory unpaid overtime, morning self pep-talks, stress-eating, and yelling at coworkers, the old Joel finally had enough. He walked up to his boss, and with a surprising, zen-like calm,... Read more »Published: April 12, 2019 - 10:11 pm
- 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 »Published: January 17, 2019 - 10:09 pm
- 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 »Published: October 5, 2018 - 9:28 pm
- Misconceptions of FIThis past weekend The Wife and I went to see Crazy Rich Asians, and really enjoyed it! (Featured image credit: Entertainment Weekly) Having been on the FIRE journey for a few years now, it was fun taking in all the over-the-top luxury on the screen. Of course, this wasn't the... Read more »Published: August 24, 2018 - 12:51 am
Financial 180
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- 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 »Published: August 4, 2020 - 12:27 pm
- 128. You Can Destroy Student Loan DebtEarn & Invest I am proud to release episode 128 of The Earn & Invest Podcast. This podcast is an exploration of personal finance, financial independence, and taking the conversation to the next level.... The post 128. You Can Destroy Student Loan Debt appeared first on DiverseFI.... Read more »Published: July 30, 2020 - 10:00 am
- Video127. Why Now Is The Time To Start Your BusinessEarn & Invest I am proud to release episode 127 of The Earn & Invest Podcast. This podcast is an exploration of personal finance, financial independence, and taking the conversation to the next level.... The post 127. Why Now Is The Time To Start Your Business appeared first on DiverseFI.... Read more »Published: July 27, 2020 - 5:00 am
- 126: How To Align Your Passion and TalentEarn & Invest I am proud to release episode 126 of The Earn & Invest Podcast. This podcast is an exploration of personal finance, financial independence, and taking the conversation to the next level.... The post 126: How To Align Your Passion and Talent appeared first on DiverseFI.... Read more »Published: July 23, 2020 - 10:00 am
- 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 »Published: July 20, 2020 - 10:00 am
DiverseFI
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- ● Changes in Uhaul ExperienceUhaul used to be a reliable place to rent a truck for us. We've used them many times. This week we did a one-way rental and it was a horrible...... Read more »Published: March 6, 2021 - 11:50 pm
- ● HSA custodians anything better than Fidelity?I moved our HSA from Key Bank to Fidelity, where I can invest in anything their brokerage account offers. No fees. Much higher returns. All is...... Read more »Published: March 6, 2021 - 9:16 pm
- ● Vanguard Real Estate Index Fund VNQ held in Taxable AccountsQuestion to those in the know: Is holding VNQ in a taxable brokerage fund smart, dumb or neutral? I started 2020 by buying some VNQ in our...... Read more »Published: March 6, 2021 - 7:50 pm
- ● RatsHere's the estimates I've got so far for rat in orange tree: 1. Put out 1 TomCat & have son patch 3+ holes. Gardeners to clear all under brush as...... Read more »Published: March 6, 2021 - 7:05 pm
- ● Bonds won't fit in Tax Deferred AccountsHi all. This is a high class problem...but its still a problem.... I normally stash bonds and REITs in my IRAs...but I've hit the point where...... Read more »Published: March 6, 2021 - 6:11 pm
Early Retirement & Financial Independence Community
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- Way With Words Review: A Beginner-Friendly Transcription PlatformIf you’re considering creating a side gig with transcription work, you need to check that you pick a legit platform. Here we’ll delve into Way With Words to help you get the low down on this platform and make an informed decision. A Brief Overview of Way with Words WwW... Read more »Published: March 4, 2021 - 11:14 am
- Which Investment Typically Carries The Least Amount of Risk?If you’re thinking about building an investment portfolio, you may be a little concerned about risk. While all investments carry some type of risk, there are some investments that offer lower levels of risk. So, here we’ll delve into those low-risk investments to help you determine which is the best... Read more »Published: March 1, 2021 - 12:26 pm
- Casting Words Review: Make Money With TranscriptionIf you’re considering transcription as a side hustle, there are a number of platforms offering work transcription jobs. Here we’ll explore CastingWords to help you decide if it could be the right option for you. A Brief Overview CastingWords has been operating since 2005. It was established with the main... Read more »Published: February 26, 2021 - 11:29 am
- How to Get Free Books By MailReading is one of the most popular and most productive pastimes that we can engage in. It provides the opportunity for escapism while broadening our horizons, learning about new people and places, and developing our imaginations, vocabulary, and language skills. Whether you’re looking to help your child to become an... Read more »Published: February 25, 2021 - 11:17 am
- Is Your Side Hustle Worth the Time?If you’ve spent any amount of time reading personal finance blogs or financial independence blogs, I’m sure you’ve seen plenty of articles about side hustles. When the topic of making more money comes up, starting a side hustle is a common suggestion. While it’s true that a side hustle can... Read more »Published: February 22, 2021 - 11:38 am
Vital Dollar
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- Hogwarts Legacy Developer Resigns After Criticisms of Controversial YouTube VideosTroy Leavitt, the lead designer of the upcoming Harry Potter game Hogwarts Legacy has quit Avalanche Software, he announced last night. Leavitt was recently in...... Read more »Published: March 5, 2021 - 11:00 pm
- 50 Games You Don’t Need a PS5 to PlayNow that the PS5 is available, players enjoy the console's high speeds, better processing, and exclusive games. The problem is that the PS5 is very...... Read more »Published: March 5, 2021 - 8:00 pm
- 50 Facts About Personal Finance in America You Need to KnowHowever you want to label it, most American households are struggling with their personal finances. While I wish this certainly wasn’t the case, we’ve seen...... Read more »Published: March 5, 2021 - 6:59 pm
- Breaking Free From a Poverty MindsetWhat is a poverty mindset? How do you break free from your poverty mindset and switch to an abundance mindset? If you live in actual...... Read more »Published: March 5, 2021 - 4:40 pm
- February 2021’s Top PlayStation Downloads Headlined by FIFA 21 and GTA VSony has unveiled the top PlayStation downloads for the month of February 2021 across PS5, PS4, and PSVR for both the US and EU. Leading...... Read more »Published: March 5, 2021 - 4:10 pm
Your Money Geek
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- Episode 203- Tax Free Living: Tax Tips for Entrepreneurs, Side Hustlers, and W2 Employees with Carter Cofield(This post may include some affiliate links) Are you leaving a generous tip to the IRS every time you pay your taxes? Carter Cofield, this week’s podcast guest, is sharing tips on how to save yourself and your business money during tax season. Carter is a CPA, a Certified Public... Read more »Published: March 3, 2021 - 10:00 am
- Episode 202- Losing $300,000 of Your Life Savings in an Investment Deal Gone Wrong w/ Kierra Asnauskas(This post may include some affiliate links) What would you do if overnight you lost over $300,000 of your life savings in an investment deal gone wrong? Unfortunately, that’s what happened to this week’s guest, Kierra Asnauskas. Kierra and her husband went from coming close to their goal of reaching... Read more »Published: February 24, 2021 - 5:00 am
- Episode 201- How to Navigate Awkward Financial Conversations With the People in Your Life w/ Erin Lowry(This post may include some affiliate links) Raise your hand if you’ve had an extremely awkward conversation about money with a coworker, friend, family member or romantic partner? You’re not alone, it happens more often than not and it can leave us feeling uncomfortable. This week on the podcast, my... Read more »Published: February 17, 2021 - 5:00 am
- Episode 200- How to Use Trusts and Estate Plans to Build Intergenerational Wealth with Ifeoma Ibekwe(This post may include some affiliate links) Do you know how to build intergenerational wealth? This week on the podcast I Ifeoma “Iffy” Ibekwe joins us to share how to build real wealth through estate planning. Iffy shares why it is essential for us to have an estate plan and... Read more »Published: February 10, 2021 - 5:00 am
- Episode 199- Is Financial Independence (FI) a Pipe Dream? The Concept of Congruence and Minimal Viable FIListen & Subscribe: on iTunes, Google Play, Stitcher, Soundcloud, Google Podcasts, Android Device (This post may include some affiliate links) This week’s solo episode is a mini TED talk on 3 topics that have shifted how I approach financial independence. Are your wants in alignment with your beliefs? Are you too... Read more »Published: February 3, 2021 - 5:00 am