In the personal finance and financial independence space, we talk a lot about risk. Risk of a market crash. Risk of another 2008 type recession that cuts portfolios by 50%. The sequence of returns risk that can kill the 4% rule. We even have some quotes on deck from the investing greats on stomaching the […]
Why we are doubling down on the 9 to 5
I haven’t been shy about stating one of the main drivers for our pursuit of Financial Independence is my attitude towards the corporate grind. My issues aren’t personal, I just don’t like when other people have control over my time and decisions. No biggie. I get a little control-freaky over those two things. While I […]
The Easiest Money I Have Ever Made
Move over Bitcoin, MLMs, and online surveys you can take from home. I have found a way easier way to pocket some extra cash every year that takes up far less time, is way less risky and doesn’t require you to get your friends to sign up under you…So what is it? Credit Card Hacking […]
How low did we go? Q4 – 2018 Net Worth Update
Check-In Time! This makes 12 quarters in a row since I started publishing Net Worth updates on this site and the first where our Net Worth has dropped over the course of 3 months. Even though we knew this would happen eventually, I am mildly surprised how quick it can turn. I can see why […]
34 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, […]
Paying for College: Shrink the “Need” Gap
Longtime visitors of this site know I had a long, drawn out, 7 year battle with student loans. We finally paid them off in March of this year (2018), freeing up about $1,250/month. A good chunk of that money went straight to childcare for our second kid. And speaking of kids, the natural progression for […]
Accumulation Phase – After the FI-HIGH Wears Off
I remember when I first discovered the idea financial independence 3-4 years ago. I was immediately consumed, started looking for ways to optimize, set goals and upped our 401K contributions every quarter as our income grew. Our net worth was rising, mostly due to our growing contributions and the progress was very motivating. This went […]
