Will early retirement ruin the economy?

A lovely journalist named Patty interviewed me recently about the FIRE (Financial Independence Early Retirement) community and the rapid growth of the movement. She is very interested and supportive of the idea but asked an honest question from the view point of HR departments and companies: “Is this FIRE movement going to ruin the economy […]

3 Necessary Qualities of a Money Mentor

When there are 100 voices trying to influence, persuade or normalize a well-trod path, where is the voice that calls you to walk your own path? Mentors help us swim upstream. The more unique the path we start carving out for ourselves, the harder it can be to find the right voices to spur us […]

finding a money mentor

16 Reasons to become Financially Independent

There are a lot of misconceptions about striving for Financial Independence or even trying to create more financial freedom. I can often see the confusion or hesitation when I mention it. Here are some of the arguments against it: Your giving up and opting out You can’t produce You will no longer add value Our […]

16 reasons for financial independace

Answers from Taking a Gap Year

learning as we go

Our Gap year provided answers to our list of questions, answers to questions we didn’t even think about asking and more questions. If you have considered taking some time off or retiring early you might have had a few of these questions. Here is what the year off has taught us so far. I wrote […]

The Monthly Nut Ratio

What is your Monthly Nut Ratio? Conventional wisdom says your fixed expenses should be under 50%, leaving 30% for flexible spending and 20% for investing. What if you could increase your income or lower your payments? Maybe push your fixed expenses down to 30%, 20% or 15%?   Some people track their net worth, savings rate, […]