Category: Saving

Lifestyle Inflation and Home Size

Reading Time: 5 Min   The problem with lifestyle inflation is that it’s hard to see, even when you’re looking for it. The Lifestyle Inflation series gives us the chance to examine items we take for granted as needs and reclassify them. You may not choose to make a drastic change with the information. However, you...

Everything You Buy Should Fit Into This Picture

Reading Time: 3 Min   Folks who are new to the early financial independence movement often find themselves caught up in the supposed “deprivation” that’s required. A headline comes out about a family of four that lives on less than $30k a year and only eats out 3 times a year, and readers are terrified...

The Best Posts of 2016

Reading Time: 3 Min   December  is one of my favorite times of the year. Cookies! Hot chocolate! Intense bouts of financial planning and introspection! As everyone pulls through the last few days of work in anticipation of the winter break, I present the best posts from 2016.   Posts About Retirement What It’s Like Being...

8 Ways To Celebrate The Holidays For Less

Reading Time: 6 Min Most of us want to mark the holidays with loved ones, and that has typically meant  flashing some cash. Fancy dinners out with friends, a Christmas movie, a trip to Disneyland – the list goes on. Fortunately, there are many options to get folks together that are high on meaning and...

Proof Through Data: Black Friday and The Holidays Are a Mediocre Time to Purchase

Photo Credit: Steve Kohls Reading Time: 4 Min If you’re thinking about picking up some big ticket items this holiday season, do yourself a favor and keep your wallet closed. Turns out Black Friday deals – and subsequent holiday deals – often aren’t very good deals at all.   My Own Experience My first year...

ABP: The Secret to Not Wanting Fancy Things

Reading Time: 2 Min   We want things because they build anticipation and provide novelty in our lives. We get to dream of what life will look like with New Thing. Purchasing New Thing brings a rush of satisfaction and a hit of dopamine in our brains. But the effect is temporary, and a week,...

9 Strategies That Save Me Hundreds When Eating Out

Reading Time: 5 Minutes   I live in a big city with no kids, and up until I retired my cooking abilities began and ended with pressing the ‘Start’ button on the microwave. That meant a lot of eating out.   If you want to find a way to keep restauranting in the budget, here...

How to Retire In a High Cost of Living Area

Reading Time: 8 Minutes   Places like NYC, San Francisco, and Seattle are a dream situation for an aspiring Money Habiter. There are fantastic job prospects, amazing experiences to be had every day of the week, and all kinds of diverse people who can broaden your view of the world and add richness to your...

Four-Step Blueprint to Retirement: Part 1

Reading Time: 9 Minutes   When you get right down to it, the pattern we all follow to reach retirement escape velocity is very much the same.   Our nest eggs are all governed by the same two simple equations.   Universal Retirement Equations 1)   Income – Spending = Savings 2)   Savings x Growth X...

How Overblown Details are Fleecing You of Cash

Reading Time: 6 Minutes In grade school, you went through a period in English class where you were taught to “compare and contrast” different things. That technique is an excellent one for learning and we were unconsciously taught that you can never compare and contrast enough. It was a marker of intelligence. But unlimited comparison...

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