The importance of narrative

road trip

Intro: The stories we tell to ourselves and each other matter a lot.  I don't know where I read it, but I remember coming across research that said humans' thought processes evolved first and foremost to win arguments rather than to understand the world for exactly how it is.  In that sense, our minds are more political than they are scientific.For this reason, ancient philosophers such as Continue Reading

Finding a better job

paper clips

Intro: Last week I wrote about how much easier it is for people with above-average incomes to retire early.  For people with low-to-average incomes, it takes significantly longer. After optimizing expenses as best as possible, it makes sense to also chase higher incomes, particularly for those that don’t already make a killing as it is. […]

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The dirty little secret about early retirement

confidential

Intro: Here’s the dirty little secret you won’t hear too often in the early retirement community: income matters, A LOT.  A typical handling of the income conundrum goes something like this: “Yeah, it can be hard to retire early / save a lot with lower incomes, but it is still possible if you are determined.”  The sad reality […]

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The 6 keys to a healthy life

lock

Intro: This isn’t exactly my area of expertise, but then again, I’ve never claimed to be an expert in personal finance either.  I’m just very interested, learning as I go, and sharing with anyone that might want to listen.  With that in mind, I recently became curious if there was any simple, definitive list of the […]

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Random financial tips

whisper

Intro: I’ve come across a few interesting / relevant ideas lately.  There isn’t exactly a thematic coherence between these financial tips / this financial advice, but it’s worth sharing. Random financial tips: HSA (Health Savings Account) can be used as a super-charged retirement account.  Here’s how it works.  Contributions aren’t taxed. Contributions can be invested […]

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The Trimurti of Household Budgeting

trimurti1

Intro: Personal finance types, myself included, often recommend making small lifestyle changes to save more money for retirement.  A prominent example is the latte effect, which holds that cutting out a daily cup of coffee can theoretically save 1,000’s of dollars (it can).  This kind of advice, however, really gets under some people’s skin. Take […]

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How long until retirement: an interactive tool

ice branches

Intro: How many more years will you have to work before you can retire / achieve financial independence?  With it being the start of a new year, I wanted to get a handle on this question myself. I’ve already written a few articles on this subject (pretirement, financial independence, power of a high savings rate, […]

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