From Spills Spot ... Convenience has become a normal part of everyday life. We live in a society where everything continues to become new … Read the post >>> about The Lost Art of Delayed Gratification
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Today’s Featured FIRE Content
Mom’s Rules of Finance
From Workforce Millionaire ... My mother was very, VERY strapped financially when we were growing up. She raised 4 kids with little income … Read the post >>> about Mom’s Rules of Finance
Here’s Why You Should Try to be Wealthy Instead of Rich
From The Finance Twins ... There's a difference between being wealthy and rich. Here's a few reasons why everyone should strive to be … Read the post >>> about Here’s Why You Should Try to be Wealthy Instead of Rich
Random FIRE Articles
FOUR UNHEALTHY ATTITUDES TOWARDS MONEY
From Afford Anything …
“Your income, debt, spending habits and net worth aren’t merely a function of your actions. They’re a reflection of your deep-seated inner psychology around money.
Dr. Brad Klontz, a clinical psychologist and financial planner, joins me on today’s show to discuss four “money scripts” that may be harming us. “
Watch or listen to the podcast … Four Unhealthy Attitudes Towards Money — with Dr. Brad Klontz, Financial Therapist
6 Steps To Avoid The Looming Bear Market
From The Retirement Manifesto …
Did you know a looming Bear Market Crisis is approaching?!
I just read it on the internet, so it’s got to be true! To make matters worse, I just retired a month ago. Uh Oh! (Am I screwed?)
Today, some reality about Bear Markets, along with 6 steps to consider as you structure your retirement portfolio.
6 Steps To Avoid The Looming Bear Market – The Retirement Manifesto
What Does It Mean To Be Financially Independent?
From Women Who Money …
Financial independence means two different things at two different points in life. And they are both significant milestones.
Here are explanations of both kinds of financial independence and actions to consider to make the path to “FI” attainable, no matter where you are starting from.
What Does It Mean To Be Financially Independent? | WomenWhoMoney
4 Reasons We’re Fixing Our Finances & Pursuing FI
From PT Money …
Independence is arguably my highest value. The desire to call all the shots, direct my life, and have autonomy in my decisions.
Independence means you can eject yourself from the well-worn seat society creates for you…to be different, achieve greatness, and live a richer life.
Here’s why it is that I’ve chosen to understand my finances, get rid of debt, start saving more, save for retirement, and pursue wealth.
4 Reasons We’re Fixing Our Finances & Pursuing FI • PT Money
Don’t Sweat the Latte or Avocado Toast – Focus on the Big Three
From Guy on FIRE …
Over the past few years, there were several accounts of why Millennials are flat broke. Stories of how this generation will never be able to buy a home because of Avocado Toast. Oh, and then there are the accounts of how a latte a day will keep retirement away
This is a bunch of crap. Sure, the headlines are catchy but they are missing the point. You should treat yourself (occasionally) and focus on the big three instead.
Don’t Sweat the Latte or Avocado Toast – Focus on the Big Three | Guy on FIRE
The FIRE Feed
These are the most recent FIRE-related posts and articles, published within the past 48 hours.
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- Why We’re Going Back to Tracking Our Spending
Why We’re Going Back To Tracking Our Spending Have you ever had a moment where reality hits you in the face? A few weeks ago I was skimming through my twitter feed and a blogger friend of mine had posted something that stopped me in my tracks. I’ll share the tweet here in a second, but first let me share what the past ... Read the article >>> - Frugal Friday: The Great Coffee Experiment.
A little while ago I read a post on ‘Get Rich Slowly‘ where the guest writer was talking about his quest for the best and cheapest coffee. He went into exhaustive detail about the cost of heaps of different coffees, with his conclusion being that the Kirkland brand of coffee beans at Costco was the … Continue reading Frugal Friday: The Great Coffee Experiment. ... Read the article >>> - Ask Firebug Fridays 17
Nothing written below is financial advice. The below questions and answers are for general information only and should not be taken as constituting professional advice. You should always do your own research when making any financial decisions. Question (3:58) Hi, Have you had any success explaining investing to friends? I am 28 and […] The post Ask Firebug Fridays 17 appeared first on ... Read the article >>> - Pros and Cons of Completing a Rollover Before Year-End
For many individuals, their 401(k) makes up the bulk of their retirement savings, yet with an average of just over 10 job changes through one’s career, it’s not uncommon for people to have multiple (potentially expensive and restrictive) employer-sponsored retirement plans. Which means that transferring money out of various retirement plans into an IRA can be tremendously beneficial on many fronts, including lower costs and ... Read the article >>> - Growing Financial Freedom
Financial freedom grows along a spectrum and financial independence is one point in the journey. I like to focus on growing financial freedom. Because it’s something we can all do. At each step in the journey. You pay off some debt, your financial freedom grows. You start investing, your financial freedom grows. You grow the gap between your expenses and your income, and your ... Read the article >>> - November 2018 Extra Income Report – $6,378
Want to make extra money in your sleep? I recommend Drop, a new app that gives you cash back for doing your normal everyday shopping. Sign up for Drop now and get an instant $5 bonus! Welcome to the Wealthy Nickel Extra Income Report! Each month, I share all the different ways we make extra income outside the 9-5 job. In case you missed ... Read the article >>> - A Day of Work
So the other day I actually went to a workplace and did manual work for almost 8 hours. Did I fall on my head? Nope. Did I run out of money? Nope. I actually did it because I wanted to and I didn’t even bother asking how much I would be paid. The job in question was actually a casual position with a local brewery. ... Read the article >>> - Best P2P Lending Sites In Europe – 2019 Comparison
Disclaimer: This article might contain affiliate links, but the opinions are entirely my own and nothing in the post has been sponsored. I donate 20% of my profits to charity. I have been investing in various peer-to-peer (P2P) lending sites in Europe since 2016 when the first platforms started to get real traction. Recently, I discovered that no one has made a good comparison of the ... Read the article >>> - Z Nation’s Karl Schaefer Spills the Beans On What’s Coming Next
I had the pleasure of interviewing Karl Schaefer, who is one of the creative geniuses behind some of the most innovative and rule breaking shows on TV. Karl is the showrunner for Z Nation and was the creative force behind the ahead of its time, Eerie Indiana. Z Nation’s Karl Schaefer Spills the Beans on What’s Coming Next About Karl Karl Schaefer ... Read the article >>> - Can I retire young?The following generic question is a very common when it comes to early retirement. It goes something like this (you can adjust the numbers slightly): “I am thirty-something years old and I have managed to save a few hundred thousands (or more). Is it possible for me to retire already?” The answer is yes. Although extreme early retirement is still quite rare there are more ... Read the article >>>
- Going “All In” On BitcoinWhen An Investment Defines Your Entire LifePhoto by Andre Francois on Unsplash“No, we don’t have an exit plan”I want to state from the outset that I am no expert on Bitcoin or Cryptocurrencies. I am fascinated by the subject but have not personally invested any money into Bitcoin. When it comes to investing my money I stick to what I understand (stocks, bonds, and real estate). If others ... Read the article >>>
- How to Save Your Next Dollar
When I finally made the decision to put an emphasis on saving my money instead of spending it, I realized I had no real idea how to get started. I know I was getting the full 3.5% company match (on 6% contribution) in my 401k thanks to auto-enrollment. My dad started a Roth IRA for me some 12 years earlier, … Read More The ... Read the article >>> - Ep.99 – Mastering the Market Cycle with Howard Marks
December is upon us, which means I basically have your attention for about two more weeks max. After that, let’s face it, we’re all checking out for the rest of 2018. So while I have you, and as the year comes to an end, it’s a perfect time to review some year-end financial planning tips. For such an occasion there’s no better duo than ... Read the article >>> - Real Estate Report – November 2018Quick update on our favorite cash-cow: Real Estate Report – November 2018 edition?! November was boring and very profitable! Finally low expenses and a high(er) cash-flow. Let’s have a look at the numbers! In case you are interested in Real[...] The post Real Estate Report – November 2018 appeared first on Cheesy Finance. ... Read the article >>>
- Bonus Call: A Real Estate Dilemma You own a condo and it’s paid off, but the condo association fees are really starting to annoy you. Should you ditch the condo and buy a house? That’s the dilemma facing Kristen from Portland, Oregon. Have a money question? Email me here. Better Off is sponsored by Betterment. Please let us know what you think by leaving a rating or review in Apple Podcasts. “Better Off” ... Read the article >>>
- Our DIY Spare Bathroom Renovation, Part II
After 3 weeks our spare bathroom renovation is complete. There was a lot of blood, sweat, and tears involved. How did it turn out? Did we blow our budget? Am I still married to Mrs. Heartland on FIRE? Read on for the details… When I last left you reader, I had just installed the backerboard for the shower and floor tile. It feels like ... Read the article >>> - Money Management For Adventure Seekers (And I was on TV!)
Last week, I had a reporter from WCCO, a major news station in the Twin Cities contact me about a potential interview. The reporter’s name was Cristiane Cordero, and she wanted to interview me about the strategies I’ve used to save around $300,000 in six years. Cristiane – a millenial herself – feels bugged that the millennial generation often gets stereotyped as being lazy, ... Read the article >>> - How Credit Works: Everything You Need To Know About Credit
When it comes to making big purchases like buying a home or financing a business, knowing and understanding your credit is super important! That’s especially true if a certain credit score is required in order to get approved for a loan. Your creditworthiness is used to determine your interest rate on loans and ... Read the article >>> - The dangers of lifestyle inflation
A friend of mine went on a sabbatical last year and returned to work a few months ago. We were having a long day and decided to step out to grab coffee. My friend joked that, at the current pace, he might quit again and go on a new backpacking adventure. He then went on to tell me “after all, I now have more money ... Read the article >>> - Stop Being HOLI-DAZED. 27 Ways to Unwind this Christmas.
Stop Being HOLI-DAZED 27 Ways to Unwind This Christmas It’s like clockwork.Right around Thanksgiving every year there is a sudden onslaught that falls on many of us in the Western World.Christmas time is coming.The ribbons! The wrappings! ... Read the article >>> - How To Drastically Cut Monthly Budget Expenses In 2019 : November 2018 Budget Update
The Budget Movement Is Getting Back To Bare Basics I’m willing to bet that many of you have monthly budget expenses that are destroying your ability to cash in on paying off debt and increasing your savings power. Don’t worry, so do we which is why we review our monthly budget expenses every year and... Read more The post How To Drastically Cut Monthly Budget ... Read the article >>> - 6 Healthy Habits That Lead To a Better Credit Score
Each day millions of transactions take place with the help of credit sources. From bank loans to credit cards, we live in a time that provides instant purchase gratification opportunities with borrowed money. While having the use of credit is handy for many purchases and even in a pinch, it is extremely important to manage it well so that your credit score isn’t poorly affected. ... Read the article >>> - Are the 2019 Retirement Plan Limits Important?
Inflation tends to work against us by eroding asset values and the money used to store value over time. Inflation also has a strong relationship with poor market outcomes. Sometimes, however, inflation can benefit us. One such instance comes in the eyes of debtors. They love inflation because it makes their fixed debt repayments less cumbersome in inflation-adjusted ... Read the article >>> - A Year of Book Recommendations: Nonfiction
I’ve always been a voracious reader, primarily of fiction (and specifically fantasy novels). This year, I decided to consciously track the books I read throughout the year, both so I could be keeping myself accountable with regard to reading more nonfiction, and so I could know how many new books versus old books I read/reread … Continue reading "A Year of Book Recommendations: Nonfiction" ... Read the article >>> - Brain Health: Exercise & the Brain – part 3
Welcome back to part three of my brain health series. In this series, I’m breaking down the chapters from the book, Brain Rules, by Dr. John Medina, who is a developmental molecular biologist. I simply love this book and have recently discovered in addition to the original Brain Rules book, he wrote one for babies and for the aging. In this article, I’ll focus on brain ... Read the article >>> - Building A Morning Routine: Be Optimistic and Realistic
If you are anything like me, and I suspect if you made it through more than one of my ridiculous articles and have come back for more than you are, you really like the idea of bettering yourself. Perhaps so much so that you, like me, hear about all of these cool things that you absolutely have to incorporate into your day-to-day in order to ... Read the article >>> - The Benefit of Half Retirement
The Benefit of Half Retirement I have a secret. I don’t need to work anymore. Based on my calculations, I should be able to weather most post retirement sequence of returns scenarios. I am truly financially independent. Yet, as you can tell, I have still decided to put my hours in at what most would consider a W2. Although, as a contractor, I have ... Read the article >>> - Living A Better Life Interview – The Purple Life
Living A Better Life Interview – The Purple Life In our brand new interview series, we are interviewing various individuals from across the web. This interview series focuses on how they are living a better life. They can be living a better life by pursuing financial independence, minimalism, simplicity, and many more aspects. Are you interested in being interviewed? Continue reading! ... Read the article >>> - The Philosophy of HappinessWe’ve already reviewed a couple of months focused on happiness. First, we looked at the science of happiness. Then we dove into the intersection of money and happiness. Both of these journeys took us deep into the world of studies and statistics. But not all of happiness can be summed up in numbers. While I … Continue reading "The Philosophy of Happiness" The post The ... Read the article >>>
- A Mostly Digital Life?
Is it possible to live an almost completely digital life? And is it a worthwhile goal to have? Well, I won’t aim to answer the second question. That’s up to you. But in regard to the first question, I think the answer is: yes. I think it’s very possible to construct your life in a... Read More » The post A Mostly Digital Life? appeared ... Read the article >>> - Got Wood? The Case For Firewood
I got home from work on Monday to two large bags, stacked full with firewood. As our new home came with two tiny ovens in the toilet and bathroom, and was otherwise only supported by a fireplace, we knew we had to restock before winter arrived in earnest. An air-to-air heat pump is on the list of upgrades we’ll do eventually. But since it was ... Read the article >>> - Are Solar Panels Worth The Investment?
You’ve likely noticed that solar panels have been popping up on scores of homes and businesses in recent years. The rising popularity has been driven by the fact that the costs to get started with solar have plunged in recent decades to the point that they have finally become cost competitive with fossil fuels. In fact, in many cases choosing solar can save literally save ... Read the article >>> - REWIND: Wealth Is a Choice“When you're the best at what you do, you never have to worry about income and you never have to worry about employment.” - Dr. Dennis KimbroTweet This Today’s redefining wealth rewind features the single most played episode of all time with my mentor and the man who says “wealth is a choice” best-selling author Dr. Dennis Kimbro. If you want to take control ... Read the article >>>
- Monthly Catch: November to December 18
“Successful people do what unsuccessful people are not willing to do. Don’t wish it were easier; wish you were better.” — Jim Rohn, one of America’s foremost business philosophers I’ve been thinking a lot about how I’ve changed as a person since I first started my monthly catch up series. I have been contemplating whether all of this are relevant to me now. I like ... Read the article >>> - Term Life vs Whole Life – Which Type Of Life Insurance Is Best?
Our last post introduced you to the basics of life insurance, and whether it is something that you need. Today we will walk you through the difference between term life vs whole life insurance, which are two of the major types of life insurance. The reason we are so fired up about life insurance is because not having it caused our family to have a ... Read the article >>> - 25 Actionable Money Hacks With Expected Savings“Take Action. Build Wealth” is my motto and I truly believe that those who consistently take action on their finances will significantly improve them. With that in mind, I put together a list of 25 ACTIONABLE money hacks that you can start attacking today. I have done my best to stay away from the boring, […] The post 25 Actionable Money Hacks With Expected Savings ... Read the article >>>
- Christopher Guest Post: Miss Bonnie MD
I’m honored to have my friend Miss Bonnie MD here to allow us to get to know her better. The good doctor is a leading voice in the physician personal finance space. She focuses on empowering female physicians to take control of their finances to create a better, more balanced life in medicine. I first met Miss Bonnie when I was visiting New York early this ... Read the article >>> - Habit Stacking
I read Atomic Habits by James Clear recently and it was phenomenal, such a great book about making good habits and getting rid of bad habits. Now, there was loads of great advice in it and I highly recommend giving it a read, but there was one part in particular that I really loved and that was […] The post Habit Stacking appeared first on Money On ... Read the article >>> - Should You Share Bank Accounts With Your Spouse?
These days, having a conversation about finances with your spouse before you get married is more common. With a 30% increase in moving in together before marriage over the last 20 years, many couples are spending time and effort discussing their finances, expenses, and more. But as far as your money goes, should you share bank accounts with your spouse? Does both of your income need ... Read the article >>> - Why Small Talk is The Worst
The Following is a Public Service Announcement Regarding Small Talk: Small talk is among the worst things modern humans do to themselves. I think someone invented small talk as a goof and people just didn’t realize it was only supposed to be a joke to annoy normal people, not something you actually do. Despite it’s … Continue reading "Why Small Talk is The Worst" The ... Read the article >>> - Make your 2019 goals count!
It’s that time of year again when we whip out our diaries and start day-dreaming about all we want toContinue reading ... Read the article >>> - Communicating Couples Conquer Cash: See How You Can Too!Before we got on track with our finances The Money Gal and I didn’t communicate about our money. Looking back now I can’t believe how dysfunctional we were. It was only when we came together and decided that we wanted to change the way we used (and wasted) money, that we finally started talking about Continue Reading The post Communicating Couples Conquer Cash: See How ... Read the article >>>
- How to Get Free Stocks: 6 Ways to Get Free Shares
I love the explosive growth of micro-investing these days. People have no excuses to not get started investing anymore. Here is how to get free stocks by using these several mobile apps. How to Get Free Stocks: 6 Ways to Get Free Shares Free stocks? That’s a thing? Yes. If you aren’t using these apps to get free shares, you are simply missing out. There’s ... Read the article >>> - Exercises in missing the pointWhen I talk about not buying new things, living in small place, and not owning a car to retire early, these are the most common objections I want a big house because it is a comfortable place to escape to after spending all day working a job [I don’t like]. I like to budget so I can buy things for myself as a reward for ... Read the article >>>
- Throwing Hats
Late-night job searches have yielded a surprising amount of clarity.The clock is ticking ever faster towards my last day at my current job. For the past several weeks, I have applied for several jobs that seem to be a perfect fit: They match my current job description and are with organizations that fit seamlessly into my career path. As one polite and generic rejection email ... Read the article >>> - How To Make An Extra $500 A Month From Home
How to make an extra $500 a month Are you looking for ways to make extra money from home today? I agree that times are tough and we all need extra money to get by each month. While browsing online, I found that more than half of U.S. millennials are running side hustles, picking up […] The post How To Make An Extra $500 A ... Read the article >>> - 15 Money Tips Dave Ramsey Wish Everyone Knew Sooner
In researching personal finance and debt freedom tips, the Dave Ramsey tips you find are definitely ones to pay attention to. And researching the best hacks and advice is exactly what you should do when you start on your financial freedom journey. If it’s already been done, there’s no need to reinvent the wheel! Who is Dave Ramsey? Dave Ramsey may be an outspoken ... Read the article >>> - Investing in Good Cotton Bedding
I received product in exchange for my honest review. All opinions are 100% honest and my own. You guys know I’m not prone to spend inordinate amounts of money on everyday items. My value-based spending just doesn’t lend itself to the materialistic. I’ll spend on travel, even while finding ways to make it super cheap, because I know the memories and the expansion of ... Read the article >>> - This Fintech Company Wants to Purge your Wallet of PlasticPhoto by Oliur on UnsplashConfession time; I have a wallet that would put George Costanza to shame. Partly because for work, I travel quite a bit and keep receipts in my wallet (yes I know there are other ways to keep track of my receipts) and partly because of all of the plastic in my wallet. Debit cards, credit cards, reward cards it adds up pretty ... Read the article >>>
- Frugal and Eco Friendly Toddler and Family Feeding Supplies -A Quick Buying and Gift Guide
Gift guides aren’t really my thang. We just don’t buy much, you know? But, there are a handful of products that we’ve bought over the years for our baby, now toddler, and if you’re still looking for a few items, I thought I’d throw them up as a gift guide. Important to us are quality, longevity, maybe eco friendly and affordable. I’m not going to ... Read the article >>> - Wrongful Death Suits in Florida
According to Florida Statutes section 768.19, when careless actions lead to a person’s death, certain of that person’s survivors may have the right to bring a civil lawsuit against the person whose actions caused the death. This type of legal action is called a wrongful death suit, and it’s You may be entitled to seek compensation for lost wages, lost companionship and funeral expenses. An ... Read the article >>> - Year End Money Moves For Canadians
I always find this time of year tough to talk about money. Many of us (me included) are caught up with seeking out deals and buying gifts, and the last thing we want to consider is how to better our finances. December can be a hard month on anyone’s wallet. It’s for sure one of [...] The post Year End Money Moves For Canadians appeared ... Read the article >>> - How To Create A Christmas Budget And Not Go Broke In January
How To Create A Christmas Budget And Avoid Being Broke In January The Christmas holiday is a great time to relax, enjoy and catch-up with friends and family. It is also a time when the culture of today dictates that people spend money and lots of it! One thing that doesn’t help with not spending money is having time off work and seeing others ... Read the article >>> - Get Paid to Save with EARN ft. Leigh Phillips – PB109Leigh Phillips joins us on the podcast. She is from EARN.org. EARN is a national, award-winning nonprofit. They work at the intersection of financial technology and economic inclusion to empower low-income Americans to take charge of their financial lives. In this episode, you’ll hear Leigh explain how EARN can help you get your finances in […] The post Get Paid to Save with EARN ft. ... Read the article >>>
- Ecological capitalism and consumer capitalism
The Master said: “Ci, do you regard me as someone who learns much and commits it all to memory?” Zi-gong replied: “Yes, are you not?” The Master said: “No, I use one string to tie it all together.” — from the Analects of Confusius Have you ever noticed that what used to be referred to as citizens or workers are now referred to as consumers? ... Read the article >>> - Reaching Financial Independence Working In SalesPhoto by rawpixel on UnsplashHis largest single paycheck was more than $35,000!Most of the people I discuss who have reached Financial Independence has done so while working in a job with a base salary or hourly wage. Having a predictable income makes it a lot easier to create a financial plan. It sets up clear parameters to create your budget. If you know you have $900 coming ... Read the article >>>
- Dividend Income Projection for December 2018 – $510.85
Total dividend income projected is $510.85 annually. $50.41 was added since the previous income projection. $15.55 of the increase was the result of a dividend raise. $34.86 of the increase is from adding to existing positions or acquiring new equities. The Portfolio generates $281.96 more than last year. I am happy to report that I … The post Dividend Income Projection for December 2018 – ... Read the article >>> - What it’s like living in a Fast Food Nation
“A generation ago, three-quarters of the money used to buy food in the United States was spent to prepare meals at home. Today about half of the money used to buy food is spent at restaurants–mainly at fast food restaurants.” – Eric Schlosser If you focus on the bottom-line of your household budget, you will notice three expenditures that are usually the highest – housing, ... Read the article >>> - Latest podcast appearance: Mr. & Mrs. Countdown to FI
Mr. & Mrs. Countdown to FI were kind enough to host me for their most recent episode. Fun discussion with fun people. We got downright philosophical about several key FIRE-related subjects: FIRE as a movement. Different ways to FIRE. Geographic arbitrage and FIRE in the context of urban and rural lifestyles. Healthcare concerns, breast cancer, ACA subsidies. Are early retirees productive members of society? Highs and lows of the ... Read the article >>> - Slouching Towards Bethlehem
Napoleon’s dictum: That to understand the man, you have to know what was happening in the world when he was twenty My father-n-law was a huge influence on my later adult life. I liked, loved, and respected him. One of the old school things I wanted to emulate about him was his notion that “Every/body/man … Continue reading Slouching Towards Bethlehem The post Slouching Towards ... Read the article >>> - How to Move Out of Your Parents House (and Survive)If you read that last article I published, How to Survive Moving Back in With Your Parents, then you know how important it is to have an exit strategy in place when you're living at home. You had a goal and reason to move back home, but do you really know how to move out... Keep reading... The post How to Move Out of Your ... Read the article >>>
- 3 specific steps to get a Job Interview at Investment BanksIt is always discouraging to go on efinancialcareers and see the position you crave for has already received 100+ applications, or you simply don’t have the number of years experience required or the job asks for some skill set and expertise that you don’t have and have no idea of how to get.You have so much passion and willingness to learn and you are so keen ... Read the article >>>
- Making Our Decision to File Bankruptcy – Choosing a Lawyer
Choosing a Lawyer I have never worked with a lawyer before despite having many lawyer friends. To be honest, hiring a lawyer was the hardest parts about filing bankruptcy. It’s not like choosing a restaurant […] The post Making Our Decision to File Bankruptcy – Choosing a Lawyer appeared first on Reluctant Frugalist. ... Read the article >>> - Women’s Personal Finance Wednesdays: Week 12 Roundup
Welcome to another week of the Women’s Personal Finance Wednesdays roundup. I started this series after months of debate because I wasn’t certain I wanted to up the ante and commit to publishing three posts a week. However, now that I’ve started sharing these posts, I’m so glad I started. There are so many fabulous women writing about personal finance online, and yet there ... Read the article >>> - 6 Personal Finance Mistakes I made in My Twenties (But Don’t Regret Now)
If you are reading this, you probably have made some personal finance mistakes yourself. And it’s perfectly normal, we all have. The important part is that you catch some of the mistakes and start working on correcting them. And now that I’m 30, closing in on 31, I decided to reflect back on all the financial decisions I made in my twenties. ... Read the article >>> - Enjoying the Journey to FI in an RV | Joe JimenezTired of spending money on rent? How about living in an RV! Joe and his wife have lived in an RV for over 4 years now and are loving every minute of it. They have also been working towards their path to FI, continuously accumulating FU money and allowing them to go travelling, to survive a lay off and for Joe’s wife to start her ... Read the article >>>
- 9 Foolproof Ways to Save Money on Life Insurance
Of all the things you can spend money on, life insurance is nowhere near the top of the list in terms of something that is enjoyable or exciting. But if you have a family, life insurance is an important part of your financial plan. With that in mind, you’re probably interested in getting a good […] The post 9 Foolproof Ways to Save Money on ... Read the article >>> - What is Your Average Salary Over Time?
What is Your Average Salary Over Time? I remember reading a post by Sherry from Save Spend Splurge where she shared how much she has actually worked over her entire career and her average salary. She has worked as a freelancer consultant for a number of years and worked on contracts. Some for example, one […] The post What is Your Average Salary Over Time? ... Read the article >>> - What Makes You Happy Interview No.2 : 101 Ways To Find HappinessWelcome to the second in an interview series about happiness. You can check out interview #1 for a breakdown of what this series is about but in simple terms, it’s about happiness and what it means to people. Happiness can be complicated but it’s always something we’re looking to achieve. In addition, we all have […] The post What Makes You Happy Interview No.2 : ... Read the article >>>
- 9 Part-Time Jobs That Pay Well [Better Pay in Less Time]
One of the problems with part-time work is that it often comes with part-time pay. Toiling twenty hours per week for minimum wage is no way to build wealth or create a balanced life. Thankfully, there are a number of part-time jobs out there that pay enough for you to live comfortably on 20 hours per week. In addition, many of these jobs will ... Read the article >>> - When The Routine BreaksI’d gotten into a really good daily routine in the morning where I’d write a post for this blog, use the headspace app then follow a daily stretching video before starting any other work I had on for the day. But with this bug I’ve been floored and my routine has gone out the window, […] The post When The Routine Breaks appeared first on ... Read the article >>>
- Maintaining the Up Keep
So, here I sit. Writing this post, on my birthday, I just got done having a fight with my lovely wife about where our life is going, and what our next steps are. What the fuck is wrong with me? It’s my birthday, and I’m fighting with my wife over where our life is going?! How did I get here? Let’s take some time to ... Read the article >>> - The 5 Things That Mattered The Most
The market giveth and the marketh taketh away. Lately the market has been doing a lot more taking away than it has giving. That's just how the investing game works! Market prices can vary significantly in any given year, and investors often get way too focused on the price.... The post The 5 Things That Mattered The Most appeared first on ... Read the article >>> - Our Worst Money Moves
In Monday’s post, I shared the things Mr. ThreeYear and I have done that I consider our best money moves. They were the habits or disciplines we adopted that have served us the best over our fifteen years of marriage. BUT, we’ve also made our share of bone-headed money moves, and today, you get to hear all about our very worst money moves of the ... Read the article >>> - My Favorite Frugal Gift: Experience Coupons for a Later Date!
In the 21st century, there’s been a huge change of perspective on stuff and experiences. Whereas in the 20th century, having a nice TV, a cool stereo system, and a bunch of “toys” displayed status, many younger people are approaching life in a simpler and more fulfilling way. For many people, stuff is out, travel and experiences are in. Where you’ve been, who you know, ... Read the article >>> - Unwinding An “Irrevocable” Life Insurance Trust (ILIT) That’s No Longer NeededThe Irrevocable Life Insurance Trust (ILIT) has long been a staple of estate planning – a means of avoiding the death benefit of a life insurance policy from being subject to estate taxes by having it owned not by the insured or family themselves, but an independent third-party trust holding the life insurance for the family’s (beneficiary’s) benefit instead. Which was necessary in a world ... Read the article >>>
- A Celebration of Stuff: Or Why I Might Be Flunking Minimalism
What’s the best gift you’ve ever been given? A real gift. Something that came in a box with a bow. Or at least wrapped in the funnies. You know, a present. Of course, there’s health and happiness, family and friends. The gift of knowledge, which is something I have been giving my students all year. Those are lousy answers to this question. How do I ... Read the article >>> - 6 Reasons We Don’t Buy Gifts for the Holidays
No. We are not Ebineezer Scrooge. We also do not buy traditional gifts for the holidays. Last year we wrote about giving gifts with double the value and half the cost. This will be our second Holiday not giving physical gifts (things) for the Holidays. Last year, we decided that too much was going on in the world for us to simply focus on buying ... Read the article >>> - How Minimalism Can Help Your Finances
Today I’m excited to share a guest post from Jill at Five Senses of Living. She dives into the philosophy behind minimalism and how this concept can supercharge your path to financial independence. She challenges conventional consumerism and if you read until the end, she has a challenge for you. Enjoy! The road to FI is so much more than just finances. … Read More Continue ... Read the article >>> - Mrs. 1500’s Half Marathon – Mt. Everest Edition
To read this journey from the beginning, go to the first post. Hi there, Mrs. 1500 today, giving an update to the 10k app and my progress. The Couch to 10k app made some pretty big leaps. It reminded me of what climbers go through when acclimating to Mt. Everest altitude. They start off at base camp (17k feet) and then climb to base camp 2 ... Read the article >>> - How to Master Your Money with a Bullet Journal
There is something impactful and magical that happens when you put pen to paper. It solidifies your goals and ideas in your mind, helping you focus on them through the chaos of life. And it’s one of the main reasons bullet journals are all the rage right now. But bullet journals aren’t just for logging your to-do list, calendar, and daily thoughts. In fact, ... Read the article >>> - Reader Suggestions: Holiday Gifts That’ll Spread The Love But Not Break The Bank
It’s the most wonderful time of the year!!! True, true, but it’s also the most stressful time of the year for some. Stressed? Moi? You may be thinking. But indeed, amid all the ho-ho-ho-ing and fa-la-la-ing, there’s an undercurrent of dread related to one of the most contentious aspects of the holidays: GIFT GIVING. It’s lovely to give and receive and everyone feels festive and ... Read the article >>> - Six Figure Women – Amanda Abella
Today I've got an interview with Amanda Abella - millennial personal finance expert, award winning blogger, proud Latina, and all around amazing woman. Stop on in and see how she went from $13 an hour to running a six figure business. Plus, she's got some great advice for you on success - and money! The post Six Figure Women – Amanda Abella appeared first on ... Read the article >>> - Mindset Bests Skill Set
Mindset Bests Skill Set I have been thinking quite a bit about yesterday’s post. While true, just being open will help opportunities come, there has to be something more to success. Especially when it comes to financial independence, it is tempting to believe that passivity will win the day. After all, our best investment vehicle is the passive index fund. Yet, we struggle to ... Read the article >>> - Millennial Money Meetup #5: Getting Ready for RetirementTo learn more about this event & to be notified of when the next one will occur, visit millennialmoneymeetup.com. For my one and only Millennial Money Meetup of 2018, I was able to host my event once again in Toronto for Financial Literacy Month, in partnership with the Financial Services Commission of Ontario (FSCO). I’ve worked […] The post Millennial Money Meetup #5: Getting Ready for ... Read the article >>>
- My Ideal Life: How FI Gives You Options
Before I started pursuing FI, I thought there was only one option in life. That was to work full-time at a job that I hopefully didn’t hate and where I felt like I was contributing meaningfully to the world in some way. I knew that some people went against the grain, mainly travel bloggers and entrepreneurs. People like Chris Guillebeau (The Art of Non-Conformity), ... Read the article >>> - How Martial Arts Benefits My Finances
If you’re trying to save as much money as possible, you probably don’t want to add extra curricular activities to your schedule. Especially ones that you have to pay for. I have spent a good amount of money on martial arts and haven’t earned anything from it yet. I would agree that doing the math makes martial ... Read the article >>> - Long Term Goal Setting Beyond 5 Years
Each year I write about our yearly goals around the new year. It’s a valuable opportunity to review progress around short and middle term goals,… Continue readingLong Term Goal Setting Beyond 5 Years The post Long Term Goal Setting Beyond 5 Years appeared first on Full Time Finance. ... Read the article >>> - Long Term Goal Setting Beyond 5 yearsEach year I write about our yearly goals around the new year. It’s a valuable opportunity to review progress around short and middle term goals,… Continue readingLong Term Goal Setting Beyond 5 years The post Long Term Goal Setting Beyond 5 years appeared first on Full Time Finance. ... Read the article >>>
- Avoiding Peer Pressure On The Path To FIThe world at large does not want you to be financially independent. It wants you to spend, consume, and fuel the fires of commerce. It will try to break your will at every turn. But as sinister as that may sound, it’s not shadowy corporations who are the biggest threat to your FI commitment. It’s your friends and family, the people you trust, respect, and ... Read the article >>>
- Financial Planning
We think we know how the story ends. The brave hero overcomes adversity, conventional wisdom, and self-doubt. He storms the castle. Slays the dragon. Rescues the damsel in distress. Together they ride off together into the sunset, to live happily ever after. Where the story ends. Image credits: creozavr, cyrille, and Clker-Free-Vector-Images, He smugly reflects on his momentous achievement. He won! Which is a good ... Read the article >>> - The Trump Put
The darkening, uncertain economic outlook shook stock valuations through late November and early December and the S&P 500 sits 10% below its all-time highs. The outlook for Europe and the rest of the world is even more grim, with the all-world index down over 20% from their January zenith. The proximate cause of all of this is enormously self-inflicted: Donald Trump’s unilaterally declared trade war ... Read the article >>> - Success is a Process, Not an Event
Whenever my mother introduces me to her friends, she always brags about what I do, “Oh, my son is a doctor”. Her friends nod their heads in approval and their eyes light up. They tell me about their recent mammograms and x-rays. Invariably, there is the comment “You must make a lot of money.” […] The post Success is a Process, Not an Event ... Read the article >>> - Travel Hacking Disney, Part 2: Key Resources and Lessons
My wife and I are planning to take our family to Disney world around 11 months from now. Here is my first post that lays out some of the inputs and general thoughts on the trip. During my research I’ve learned from some great resources as well as picked up some key tips. With our ... The post Travel Hacking Disney, Part 2: Key Resources ... Read the article >>> - [Ep. 180] Retirement Planning & Pensions with Tim ThompsonThe post [Ep. 180] Retirement Planning & Pensions with Tim Thompson appeared first on Jessica Moorhouse. ... Read the article >>>
- Bankruptcy part 2The Decision to File Bankruptcy (Part II – Preparation) Bankruptcy is an interesting world. Consider a world of opposites, where good is bad and bad is good. You need to put yourself in the opposite […] The post Bankruptcy part 2 appeared first on Reluctant Frugalist. ... Read the article >>>
- The danger of lifestyle consumptionBy lifestyle consumption I mean seeing lifestyle, which is a pattern of behaviors, as a product to be consumed. This product can be a book, celebrity shows and magazines, clothing, and so on. Effectually, the lifestyle is idolized and people then flock to the given lifestyle and buy into its associated behaviors. What is happening here is simply people invent another concept to consume. ... Read the article >>>
- I love my job – so why do I want to retire early?Today is the last day of classes for years 7 and 8. We’ll have a week and two days of activities and curriculum days, then I’ll have 5 weeks of sweet, sweet holidays. Five glorious weeks where I can do whatever I want, whenever I want and I won’t hear a single school bell. Hmm… … Continue reading I love my job – so why ... Read the article >>>
- Money Can’t Buy Happiness
Bigger, faster, stronger. Newer, nicer, better. We’ve all been conditioned from an early age to seek more. More things. A lot more money. More respect and prestige. But, what if we told you that money can’t buy happiness? Research shows that after you have enough to cover the basic necessities in life, all of those extra things won’t bring you any extra long-term happiness. But ... Read the article >>> - Why Self-Care is Good for your Money
In this episode we chat about self-care and how that translates to our finances. We cover the myths and misconceptions of what self-care is, and how it’s not about just treating yo self. We also talk about the costs of not incorporating a self-care routine, and what we can do to take care of ourselves even on a limited time schedule. SUBSCRIBE: iTunes | ... Read the article >>>
