We have such a limited number of hours in the day. Why waste our precious hours on tasks that we can easily automate? Automation and organization allow us to spend time doing the things we want to do and optimize the rest. Are you living an automated life? Or are you trapped in an endless cycle of menial tasks?… Read More
I’m sure you’ve heard the term inflation before. But what does it mean? How is it calculated? I’m here to break down all the confusion about what inflation actually is. It might surprise you that your inflation number can be vastly different than somebody else’s!
Merriam Webster defines inflation as “a general increase in prices and fall in the purchasing value of money.” These prices are calculated by the Bureau of Labor Statistics using a metric called the CPI (Consumer Price Index).… Read More
We are slowly moving toward a cashless society. For those who value optimization, this is great news! Cash is inefficient and inconvenient. If cash were to become obsolete tomorrow, I would be ecstatic (sorry drug dealers). Let’s break down some of the reasons why cash is sub-optimal at best.… Read More
The only way to accumulate wealth is to create a gap between your income and your spending. The rate at which you accumulate wealth depends on the size of this gap. Much of traditional retirement guidance focuses on expense cutting and frugality. However, what happens when your expenses are cut to the bone and you still aren’t saving enough to retire?… Read More
This post was inspired by a discussion I recently read in one of my active Facebook groups. Some members of the financial independence community felt targeted by the stereotypes attributed to the “typical non-FI” person. These stereotypes include eating at restaurants frequently, paying for cable, indulging in daily lattes, going out for drinks, and many more.… Read More
Get ready to go head to head with one of the most sacred tenets in the financial independence community: The nest egg. *Gasps* Find out why I disagree with the traditional nest egg, what the alternatives are, and how to build your ideal lifestyle.… Read More
Has someone ever told you that they were going to do something and then did it? Did it surprise you?
In today’s society, “do nothing” is the default and taking action comes as a surprise. Let’s pretend your friend told you that she wanted to start a YouTube channel for cooking.… Read More