I Got What I Wanted And It’s Never Enough
It was probably her second or third day at work but the first time I saw her. I was floored. She was quite possibly the most beautiful woman I had ever seen. She was stunning, and fortunately for me she...
Tagged: lifestyle inflation
Master Delayed Gratification, Achieve Financial Independence
I’m writing this in early March 2020, and I still have a few pieces of Halloween candy left in my house from 2019. I didn’t get as many trick-or-treaters this past year as I normally do, and I was left...
Earning More And Spending Less To Achieve Financial Independence, The Order Matters
There are two main factors in building wealth, earning and spending. It seems a majority of bloggers and influencers in the personal finance space focus heavily on frugality and spending less as a way to accumulate wealth or achieve financial...
To Achieve Financial Independence, Callus The Mind
I’m going to paint a picture for you. Think of a 12 year old who’s already 6 feet tall and about 200 pounds. Sure, he’s tall but he has no muscle yet, so that 200lbs is all fat. He’s very...
Target Customer Profile For Luxury Car Company
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Is The Deck Stacked Against Us?
Regular readers know I focus on the behavioral aspects that affect personal finance a lot. On a bike ride recently a thought struck me. It might just be harder than ever in 2019 to maintain good behaviors in life that...
The State Of Housing In America
The Harvard University Joint Center for Housing Studies has released its 2019 report into the State of the Nation’s Housing. The report includes four awesome interactive maps illustrating key findings from the study. Since I’m a data nerd I dug...
Study: Having $2 Million Does Not Make You Wealthy
Charles Schwab recently released its annual modern wealth survey and the results are more interesting than ever. The study is an annual examination of how 1,000 Americans between the ages of 21 and 75 think about saving, spending, investing, and...
Are You Wealthy, Successful, And Miserable?
Every once in a while I read an article that touches on so many points relevant to financial independence that it must be shared. Charles Duhigg’s recent article in New York Times magazine titled “Wealthy, Successful, and Miserable” is one...
Never Underestimate Your Ability To Adapt
One of the core tenants of the financial independence movement is to avoid lifestyle inflation. Investopedia defines lifestyle inflation as “increasing one’s spending when income goes up”. I don’t think that’s the best definition since many people increase their spending even when...
Money Lessons From Dr. Martin Luther King Jr.
Martin Luther King Day will be celebrated this coming Monday in America. It’s a federal government holiday, so I’ll be off. As a semi-retired and semi-quasi-professional blogger and graphic artist, I wasn’t planning on working anyway. Sadly, many companies in...
Have We Reached Peak Home Bloat?
I was over my buddy Nathan’s house years ago, a massive modern “McMansion style” house in the suburbs of Baltimore. He and his wife Cindy had bought it the previous fall, and this was their first summer in the house. ...
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