The Money To Anxiety Ratio
In 2021 as covid vaccines rolled out the cycling group rides and races that are such an important part of my life came back. While this provided a huge boost to my moral and my training, I also got some...
Category: psychology
This Is Your Brain On Financial Goals
What are your financial goals? Do you wish to reach financial independence and perhaps retire early from the job you don’t really like anymore? Let’s go over some real neuroscience that might help you achieve them. Imagine yourself at age...
Make A Reverse Bucket List To Push Through Tough Times
In 2018 after achieving financial independence and blasting well past my so-called FI number, I was comfortably semi-retired and working part time. But I was also upset. Two years prior I started putting serious time into my graphic design side...
How Dopamine Affects Your Finances
From an evolutionary aspect, we humans have mostly existed in a world wrought with hunger, dangers, and limited resources. We had to work very hard to get what we needed for survival or we’d perish. When resources like food were...
What Is A Spending Threshold And What Is Yours?
If you’re an endurance athlete you might be familiar with lactate threshold. It’s defined as: the level at which the intensity of exercise causes lactate to accumulate in the blood at a faster rate than it can be removed, making...
Is This The Condition I So Feared?
I rounded a bend in the trail only to be faced with yet another steep climb on slippery and muddy terrain. I’d been hiking for 19 miles and should have come upon my planned campsite for the night, but it...
The Upgrade Effect
Stuff. We all buy it and need it. In a post a few years back I laid out my three rules of stuff, coming from a frugal and financially independent mindset. And recently I posted about maximizers and satisficers and...
The Unpaid Work We All Need
What is work and why do we do it? A classic definition of work is “activity involving mental or physical effort done in order to achieve a purpose or result.” Another is “a task or tasks to be undertaken; something...
4 Years Of Semi-Retirement And Blogging, What’s Next?
It’s the fall of 2021 and I can’t believe I’ve been in semi-retirement for 4 years. I’ve worked 20 hours a week during that time, so I’ve essentially put in 2 years of work where others have put in 4...
Achieving Financial Independence On Defense Alone
Regular readers know I grew up on the seedy, crime ridden streets of Baltimore. In the 1970’s and 80’s baseball and football were basically religion in Baltimore. We had the Orioles who were pretty much the best team in baseball...
Ego Can Steal Your Money
Recently I was on a morning run and having one of those days. I was low energy, my legs had no pep, and I just felt blah. I was determined to push through, but my pace was way off my...
I Didn’t Dream Big, You Should
I crested the top of the hill, gasping for air, legs screaming in pain. My cycling GPS tracker beeped to show my time. It said 3:37. Holy crap…. After a minute or two to catch my breath and get my...
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