Frugality

A few Sundays ago, I sat back and thought about how much should we save. You might blame this on the several cups of coffee I’d consumed that day. In a rare state of boredom and curiosity, I went ahead and cranked out the following in excel: Based on a few assumptions, of which I’ll [...]

The first stage of fighting an opponent is understanding the opponent. In this scenario, we’re facing off with an ambiguous term dubbed in recent years: lifestyle inflation. Portions of lifestyle inflation are great and I highly encourage them, whereas, some types of inflation are negative or even destructive. Understanding lifestyle inflation may be the biggest [...]

The average, run-of-the-mill, financial advice is simple: automate your investments. Preferably, a predetermined dollar amount is set to auto deduct right from your paycheck and wired into investment accounts. I agree with this approach and take it further by automating spend. The single best attribute from automating the vast bulk of spend is that it [...]

There’s a growing movement towards people trying to achieve some form of Early Retirement. Personal finance bloggers toss around phrases such as Financial Freedom and Financial Independence, but we rarely define them. Here’s my Millennial take on early retirement. My introduction to early retirement was discovering Ben Franklin reached such a feat by the age [...]

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