Man relaxing

FIRE on the Cheap

What are the best ways to improve your life with the least amount of money? The FIRE movement is about much more than the 4% rule, compounding returns, and house hacking. It is in large part about how to create a low stress, meaningful life with the freedom to do what you want. However, the journey can easily take a…

Continue Reading

Prairie flowers

Monthly Update

Talk about a reversal! Here in Minnesota we went from a 12″ blizzard to a 100 degree heat wave in month. That’s just nuts. Just like the weather though, my life has also taken a big turn.  My stock’s number finally came up and I cashed out with a $40k gain pre-tax ($32k post-tax).  I took out a few thousand…

Continue Reading

Building Farm Truss Farmhouse Fachwerkhaus

Mortgage Before Investments

Pay off the mortgage or invest your savings in the market? If there was ever a ninja vs. pirate debate in the FIRE community it’s this one. My foray into the debate is inspired by another article on the subject posted on a blog called Their Money Goals. The authors argued that comparing the inflation return on a house of, say,…

Continue Reading

Trees in Spring

Monthly Update

The weather has not improved much lately here in Minnesota, but the bathroom remodel project has made good strides – all that’s left is the painting and I can call it a day. To that end though, the fallout from my epic disaster with my roommate’s girlfriend continues. He decided to stay with her (despite the mess she’s made of…

Continue Reading

Book Review: Why the Rich Are Getting Richer by Robert Kiyosaki

Why the Rich are Getting Richer is the latest book in the Rich Dad, Poor Dad series, and Kiyosaki continues giving readers nuggets of wisdom distilled from decades of thought about personal finance. Nuggets is an apt metaphor however, because like real gold the reader needs to sift through pages of repetitious fluff to find the hard-hitting material, all while…

Continue Reading

Progress chart

2018 New Year’s Resolution Update

Today will be a short post. Its been a few months since I’ve last discussed my New Year’s Eve goals, but I feel that now is a good time to rehash it. The more I focus on them after all, the more likely it is that I will attain them! after all! Spend next to nothing outside of food &…

Continue Reading

Winter landscape

Monthly Update

Last month has been a whirlwind of activity for me – spending 8-10 hour days at work, then another three or four after work on the bathroom.  Just finished grouting the shower tile and will post pictures afterwards. I’m really looking forward to a week from now when all of this activity is done and I can focus on my…

Continue Reading

Debt Freedom

No More Harvard Debt and Extreme Debt Payoff Strategies

I just finished reading No More Harvard Debt and I’ll admit that it’s close to the perfect blog. Author Joe Mihalic writes with personality, gives extensive details of his finances, and keeps it short by ending the blog once its served its purpose. It’s even better watching his evolution from a free-spending, career-obsessed bro to a frugal, outsider reevaluating life…

Continue Reading

New Year’s Resolutions 2018

With the New Year coming up, its time to think up resolutions for how being a better person next year. Some people dislike making resolutions as most are broken in short order, but since I still complete 30-40% of mine on average, I’m still a fan.  I have found over the years though that the fewer you have, the more…

Continue Reading