An Exercise In Dreaming (That Creates Actual Change)

An Exercise In Dreaming (That Creates Actual Change)

I would not exactly categorize myself as a dreamer. I have never been one to get lost in the clouds, entertain myself with wild visions of grandeur, or contemplate what I might do if I win the lotto max. Maybe it’s the way I’m hardwired, but I find such activities to be an utter and [...]

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 [...]

The Psychology of Saving

The Psychology of Saving

Saving money is a trending topic these days. In fact, nearly a third of all New Years resolutions made for 2019 related to saving money in some capacity. It's fantastic to see so many people taking such an avid interest in reducing debt and increasing savings, but unfortunately stats show that a mere 4% of [...]

Plan Ahead To Get Ahead

Plan Ahead To Get Ahead

I'm a big fan of keeping day to day stress levels to a minimum. I see no reason to run myself ragged through life by over scheduling and over committing. I've been there, done that and bought the T-Shirt. BUT, even though I enjoy a more low-key life these days, I still aspire to be [...]

You Don’t Have To Be Extreme To Be Financially Free

You Don’t Have To Be Extreme To Be Financially Free

There's a lot going on in the FIRE community these days. And as more and more people are drawn to the concept of achieving FI at a young age, the interest and demand for information on ways to achieve FI have increased exponentially. But with that explosion of interest has also come a broadening in [...]

Why “Follow Your Passion” is Horrible Advice

Why “Follow Your Passion” is Horrible Advice

We all want to impart the best advice possible to our children, because we all want our children to lead successful, happy and contented lives. We want better for them in every way. It's human nature. But this desire for the best for our children can sometimes manifest itself in new age parenting tactics and [...]

Why Your Social Threshold Matters

Why Your Social Threshold Matters

The cornerstone of optimally managing your finances is learning to control your spending, saving and investing habits. Far too often these habits are heavily swayed by emotion, when instead they should be driven by logic. While we can never fully separate emotions from our decision making process, we can get a whole lot better at [...]

Using Survival Mentality to Improve Your Finances

Using Survival Mentality to Improve Your Finances

Military and law enforcement officers have been intimately familiar with the idea of survival mentality for decades and train extensively to hone that skill. But the concept can be applied to a much broader audience when it comes to our day to day lives, particularly our finances. Survival mentality centers on the goal of having [...]

Sleep Your Way To Success

Sleep Your Way To Success

No - I'm talking about actual sleep. Sufficient sleep is a necessity if we want to perform at our best. A decrease in our sleep can have dramatic effects on our ability to concentrate, retain information, make timely decisions, or exercise self-discipline and self-motivation. All functions that will impact our work capabilities, income production, spending habits, [...]