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Blog

Musings on personal finance and more...

The weirdness of checks

I was recently in a food hall, one of those ones compiled by a real estate development company to give the illusion of a grass-roots, DIY, small-business-friendly establishment. Anyway, one of the more “hip” stalls had a sign by the … Read More … Read More

The bridge: What you need when you retire early

One of my life’s goals is to become financially independent. This means that I won’t need to rely on work to earn an income. (Yeah, it would be nice if we as a society could move to something approximating universal … Read More … Read More

Book review: Everyday Millionaires

I review the book “Everyday Millionaires” by Chris Hogan and its fundamental question: can anyone truly become a millionaire? The word “millionaire” has a lot of emotional meaning. It carries the weight of financial success, even if it doesn’t necessarily … Read More

What happens when you don’t track your spending on vacation

I love traveling. I love seeing new places, or even old places with a new eye. And vacations, those limited periods of time when we uproot our normal routines, are most often when we experience travel. While vacations are salutary, … Read More … Read More

When to create a savings bucket

A bucket is my term for a savings account, used for either one-time or ongoing purchases. It’s certainly not a standard financial term. I don’t see it used much on personal finance sites. But the analogy should be clear enough. … Read More … Read More

Here are the times when I use a credit card

Once of the very first posts on this site was called “How credit cards are like alcohol“. In it, I stated that I didn’t believe that there was anything inherently bad about credit cards, but only that some people can … Read More … Read More

Is there a limit to how much you can earn?

I want to talk more about this enigmatic quote from personal finance and I-will-teach-you-to-be-rich guy Ramit Sethi: There’s a limit to how much you can cut. But no limit to how much you can earn. Ramit Sethi I talked about … Read More … Read More

How to find the sweet spot for paying extra on a debt

If you have debt, some of the mandates are clear to you: Pay it off, obviously. Pay down a single debt at a time. Pay either the highest interest rate debt first (which makes sense on paper) or the lowest-sized … Read More … Read More

My debit card got hacked!

I use a debit card for almost every single transaction that doesn’t involve cash. I just believe that using credit cards for every day spend is a bad move, for reasons I’ve mentioned before. There is, however, a contingency that … Read More … Read More

You can save more (and not have it hurt)

I’m a big fan of Ramit Sethi. (He’s the “I will teach you to be rich” guy.) I bought his Advanced Personal Finance course, and I don’t buy personal finance courses often. (I still do plan on reviewing that product here.) … Read More … Read More

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