Are You Ready For A Financial Advisor?

Are You Ready For A Financial Advisor?

Back in the pre-Mr. Money Moustache days, before FIRE was its own stand alone acronym, and before personal finance blogs were sprouting up everywhere (man I really should have started my blog back then), Mike and I were in the very beginning stages of fumbling our way towards a goal Mike had aptly entitled "Freedom 35". [...]

The 30 Day Challenge: How Did We Do?

The 30 Day Challenge: How Did We Do?

Just over a month ago we started our 30 day challenge to stay Starbucks free. As a self-professed Starbucks addict who, for the past several years (*ahem*... decades), has rarely missed a day of picking up my Venti Decafe Americano with coconut milk, one would think this challenge would have been..........well....challenging! But instead, what I [...]

The Good, The Bad & The Ugly of Owning a Tesla

The Good, The Bad & The Ugly of Owning a Tesla

*Disclaimer: In no way, shape or form should this post be construed as us complaining about the opportunity to own a Tesla. It is merely a reflection on our experience in making this type of financial decision, as well our experience of the highs and lows of the vehicle itself. It is intended for the [...]

The Financial Skinny On Our Home Gym

The Financial Skinny On Our Home Gym

To pay for a gym membership or not. In the day and age of personal wellness, it is all too easy to justify monthly expenses incurred in the interest of maintaining a healthy lifestyle. I mean, should any of us really be looking to cut expenses that are facilitating us exercising regularly and maintaining a [...]

Why You Shouldn’t Buy Your Kid(s) A Cell Phone

Why You Shouldn’t Buy Your Kid(s) A Cell Phone

I feel like this post could morph into a full blown book - there's just so many areas to delve into on this topic, but I'll do my best to boil down the salient points into a reasonable read time! If it wasn't clear by the title, I fall firmly under the camp that under [...]

Why I’m Re-Evaluating My Daily Indulgence After 20 Years

Why I’m Re-Evaluating My Daily Indulgence After 20 Years

Why I’m re-evaluating my daily coffee habit, after 20 years of refusing to give up my “latte”.

The Why of FI

The Why of FI

Amidst all the budgeting techniques, savings tips, spreadsheets, investment strategies and travel hacks floating around the personal finance and FIRE worlds, there's a really integral question that is often overlooked. Why do you want Financial Independence or Financial Freedom? I believe the question is rarely posed because on the surface the answer appears obvious. But [...]

Save Money With Extreme Ownership

Save Money With Extreme Ownership

There's a lot of conversation right now about responsibility and ownership. With so many US government workers finding themselves in difficult financial situations in the recent weeks, quite the debate has surged over whether their difficulties are the result of deeper systemic issues such as wages that have failed to mark pace with the rising [...]

RESP’s: The Ground Rules

RESP’s: The Ground Rules

Though one might think a government introduced education savings tool would be structured to be simple to understand, Canadian Registered Educations Savings Plans (RESP's) are instead one of the most complex tax advantaged accounts in Canada. God forbid the Canada Revenue Agency (CRA) make saving for your kids education straightforward! Annnnnnnyhoo. Irrespective of my views [...]

Public, Private or Homeschool???

Public, Private or Homeschool???

Choosing the right school for your kids isn't a hot topic in the Financial Independence/Financial Freedom community, but it probably should be. Public, private or home schooling, each comes with its own financial implications that need to be factored into your overall plan in achieving FF. For anyone planning on having kids, or with young [...]