25 Proven Moves To Reach Financial Independence

Reaching financial independence requires a combination of good choices and good fortune. Even the best laid plans sometimes go awry, but if you aren’t making smart decisions along the way, it won’t matter. Recently a post on the early-retirement.org forum asked “what changes/sacrifices did you make to reach financial independence?” In general, the folks responding are a very successful group of early retirees and their … Continue reading 25 Proven Moves To Reach Financial Independence

A Tale Of Two Charts

Americans have been cash-poor for decades leading into the pandemic last year. It seems that using credit – mortgages, student loans, car loans, and consumer credit – have just become an unfortunate part of American life. Related: Debt Has Spread Like Virus With the pandemic, people are spending less on discretionary things like travel and eating out and the government has sent out several rounds … Continue reading A Tale Of Two Charts

Crazy Bricks

Financially, when does spending on a hobby become crazy? I have a number of hobbies that come with very different price tags. We have a sports car – that’s expensive in annual depreciation, insurance, and repairs. We like to travel, but flights, hotels, and sightseeing also add up quickly. Activities? Softball costs money, curling costs money, and the tennis club costs money in the winter. … Continue reading Crazy Bricks

Taken To The Cleaners – Dealer Service

I love cars, but I hate car dealers. Unfortunately, it seems that over-engineered, unreliable electronics are making us more reliant on dealer service than ever. That makes cars more costly than ever. Related: Sports Cars: ‘Every Day This Man Takes A Vacation’ Our sports car recently suffered a blow to its stereo/navigation system. I stopped at the grocery store a couple miles from our house … Continue reading Taken To The Cleaners – Dealer Service

What Are You Wasting Money on?

We are blessed to be able to live a comfortable lifestyle in early retirement, by almost anyone’s standards. Our son thinks we are sometimes too frugal, but we’ve enjoyed many vacations, entertainment experiences, and everyday luxuries over the last 4 years. In general, our spending is still in line or even slightly below what we planned for our FIRE escape. Still, like most people, we … Continue reading What Are You Wasting Money on?

Small Wedding Sensibility?

June is typically the month of weddings, but the CV-19 pandemic has largely eliminated the big, traditional wedding.  We were planning on attending a couple weddings this summer, but they have both been converted to small, family-only affairs.  Such is 2020. Perhaps it is all for the best when it comes to the cost of hosting a big wedding.  The analysis I did a few … Continue reading Small Wedding Sensibility?