Where Do We Go From Here?

To summarize last post: feeling burnt out at work, no one knows how much time they have left, time is more important than money… At least after you have investments working for you. The only reason these conversations are even possible is because we’re slowly closing in on Financial independence (FI). Two decades of work and (mostly) smart investment decisions are finally paying off. Years of prioritizing savings over spending should soon make having to trade time for money optional. So what’s the plan? Continue Reading

Easy Money

This is the easiest $250 dollars I’ve ever made. There’s just not that many (legal) ways to make $250 in 15 minutes – guaranteed and without any risk. No wonder it’s trending on Slickdeals and other deal sites. Read on if you want money for nothing… I’ll share a trick that makes this as painless as it gets, something I haven’t seen mentioned anywhere else. Continue Reading

Cost of a Speeding Ticket

I got my first speeding ticket shortly after buying a car back in 1999. I was pulled over on college grounds by campus police for going ten miles over the limit. I pled guilty and paid a fine. Somehow this traffic violation never showed up on the driving record so my insurance stayed the same. That worked out because I could barely afford to keep a beater Toyota Paseo on the road as is. This experience caused enough anguish to never want to be pulled over again. Almost twenty years of driving later that first ticket is still my last (knocks on wood). Continue Reading

Reevaluate

My best friend – let’s call him John – lives on Long Island, New York. Recently John hit a rough patch, deciding to separate from his wife after just two years of marriage. They don’t have kids or own a house together so it should be pretty straightforward, financially, to go through a divorce. As it often happens after a major life event, John is ready to make some other changes in his life. This story is about two small but financially significant changes that transpired. Continue Reading

When it Pays to Shop

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Black Friday and Cyber Monday are over and the packages have been appearing on our doorstep daily this week. I don’t shop a lot but some deals are just too good to pass up this time of the year. I’d never drive out to a store to fight over some trendy consumer product but I’m all about doing a bit of shopping from home. Continue Reading

The Perception of Old

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If you’re serious about getting ahead financially you probably don’t want to be driving a new car. Most self-made millionaires, the ones that had to work for their money, drive older cars. It’s common knowledge yet most people prefer a short-term thrill of buying a new car over a long-term reward of becoming financially independent. Where I live, the majority of cars on the road look like they just came off a showroom floor. Sure, you see cars from the 90’s and the early 2000’s but it seems that they are a minority nowadays. Continue Reading

What a Ruckus

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“What are you gonna do with this thing?” asked my wife.  A valid question indeed.  One freezing day in January a Honda Ruckus moped was dropped off in my driveway as a result of a $900 Craigslist transaction that took place earlier that morning. A 2009 model with 4,160 miles and a tendency to stall after a few minutes of riding. It looked like a kids toy next to my Honda Nighthawk motorcycle. A bug-eyed chihuahua to your German shepherd if you will. Continue Reading

Fun and Savings on Two Wheels

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Some of my earliest childhood memories flashback to the time spent at my grandparent’s house in a small village within a 2-hour ride from a big city where my family lived. My parents would drop me off in June and pick me up in late August. They would visit on weekends, but most of the time I’d be left alone to do whatever it is that kids used to do before Internet. My grandmother had a small “farm” with some livestock, fruits and vegetables. I’d be expected to help which meant sneaking a few strawberries without getting caught, at least in my mind. Continue Reading

Becoming Cable Provider Independent

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One of my hobbies is optimizing every budget item to provide most benefit at smallest cost. The emphasis here is on value and not on cheapness, although somehow I still get an occasional “cheapskate” remark. Of course it bothers me a bit because, in my opinion, this is the only reasonable way to live. Efficiency is something worth pursuing. I’ve heard the cheapskate comment from family, friends and my wife although it’s always in a joking manner. As in “oh, he’s not gonna wanna do that because it’s expensive” – which sometimes is true but only if a quick calculation in my head tells me that there’s a better value for my money. This calculator never sleeps 🙂 Continue Reading