Saturday Linkage:

9/18/2021

  1. 9 Things to Think About When You’re Waiting (Art of Manliness) I really like this article and its ideas. Need to use them when I’m impatient.
  2. Weekly Points: Southwest Calendar Extended, Should You Tip Housekeeping, Three Cards To Never Close and More! (Travel miles 101); Weekly tips, now that we are all starting to get out.
  3. 3 Credit Cards We’ll Never Close (Mile Value); Three different writes give their opinions
  4. Turning 50, Part 2: Rethinking The Years Ahead (Costa Rica FIRE) Another blogger who is pretty close to my situation, so I enjoy reading their work /
  5. The Great Resignation Is Here, and It’s Real (inc.com); I’ve been hearing a lot about this lately.
  6. Ten Keys to Making a Sucky Job Less Sucky (Freedom is Groovy); Ways to improve your job, instead of joining the Great Resignation
  7. Retirees Likely to Receive Significant Bump in Social Security Benefits in 2022 (Kiplingers) I am always suspicious about an organization (US Govt) that both determines the inflation rate, and the increase in social security. I think Inflation has been higher than the increases for years now, especially when you consider health care costs.
  8. Why I’m Living on Leftovers (Budget Life List); I love leftovers.
  9. The Crashes That Nobody’s Talking About (Irrelevant Investor) The top 25 Stocks of the S&P are responsible for 55% of the gains, and a lot of S&P stocks are getting hammered in 2021.
  10. The negligence that led me to DIY investing (JL Collins) I ended up going DIY about 10 years ago, after tracking my own performance vs my advisor – and beating him every year for a decade by 1% -2% each year.
  11. Little Free Libraries (Reflections around the Campfire); A cute idea

Saturday Linkage:

9/11/2021

  1. Stop saving for retirement. Start saving for financial independence (Dividend Strategy); This should be the anthem of the FI community
  2. What Would Happen If We Slowed Down? (Cal Newport); How much would it hurt you professionally if your worked 20% less that you had time, instead of the typical 20% more?  
  3. The Everything Bubble (Blog FTX); Everything seems to be up!
  4. What Has the Stock Market Taught Us Since 2010?(A Wealth of Common Sense)
  5. If The Fed Steps Back, Do Yields Step Up? (Brinker Capital); That which can’t go on – won’t.
  6. Replacing “have to” with “get to” (5AM Joel); Simple switch of perspective and mindset
  7. Compounding – The Eighth Wonder of the World (FiResearch)
  8. Turning 50: Rethinking My Perfect Day (Costarica fire); Interestingyou’re your priorities change as you get older
  9. The Great Resignation: Millions Are Quitting, Should You? (Money Under 30); Interesting as this is happening at the same time as vaccine “mandates.” This is going to squeeze companies very hard.
  10. Ask People What They Do, They Might Surprise You (Financial Samurai)
  11. 4 Bad Habits That Lead to Late Nights (Budget Life List); Watch your health!

Saturday Linkage:

9/4/2021

  1.  Who is the Wealthiest Generation? (Economist Writing Every Day) If you measure it per Capita/per person, the answer is going to surprise you!
  2. I hustled like mad in my 20s. Here’s what it cost me. (Woke Salary Man); Cute comic strip display of first principles.
  3. Play the Hand You’re Dealt To Live the Life You Dream (route to Retire); Life isn’t fair, but we can all do the best we can with the cards we are dealt.
  4. 2 Years of FIRE: Life After an Early Exit From Medicine (Physician on Fire); Interesting tales from someone who took the first step out
  5. On Time, Money and Health (Today Purpose); You can’t just save for the future – you have to take the opportunity now to live. Don’t wait till you have “retired”
  6. Tracking Spending: A Foundational Skill of Personal Finance (Managing FI)
  7. Everything is going up? (Irrelevant Investor); Not everything is going up in this market – some surprises!
  8. Not Wanting Something Is as Good as Having It (Four Pillar Finance); A truism
  9. The Returns of Rental Real Estate vs. Stocks (Mindfully Investing) When you add in capital appreciation and rent increases, rental real estate is close since 1928
  10. Fifteen good money habits to adopt today (I Heart Frugal)
  11. The Myth Of Diversification – And Why It Means It’s Okay To Take Chances (Financial Panther) I think I’m a little more conservative than him, but I am 57 years old now /

Saturday Linkage:

8/28/2021

  1. 3 Free Happiness Hacks (Budget Life List) Simple but great ideas
  2. We Don’t Need More Money… But I Want It! (Route to Retire) The fear of most folks that retire early – we always want a bigger safety cushion.
  3. Private Lending v. Rentals – What Is The Better Real Estate Investment? (Costa Rica Fire): I know I’m using REITS right now, though still looking at direct investing at some point.
  4. The danger of outgrowing your lifestyle (Early Retirement Extreme); Discussion on lifestyle progression as you age.
  5. New Commission! Custom Table top (TKD Woodworking): More work at the shop.
  6. Benefits of Meal Prepping and How to Start (Women who Money) One of the best ways to reduce your food budget and eat healthier!
  7. 9 Questions to Ask Aging Parents About Their Finances (Kiplingers); For those of us in the “Sandwich Generation”
  8. Use Technology Like the Amish (Art of Manliness); Interesting article for those of us who want to reduce our dependency on new Tech
  9. Estate Planning 101 — The Simple Path to an Estate Plan (JL Collins)
  10. Too Much Time After Retirement? (Retire by 40); One of my biggest fears – retire with nothing to do
  11. Lake Time! (Reflections around the campfire); People are getting out and camping/RVing!

Saturday Linkage:

8/21/2021

  1. Huge List of Awesome Retirement Activities (ESI Money); A lot of good ideas
  2. Are You Worth More Than You Earned? (Retire by 40) A key measure of financial independence
  3. Inflation vs. Wages (A Wealth of Common Sense); Inflation is coming. Be ready for it
  4. Preparing For A 50-Year Retirement With Vanguard’s New Return Assumptions (Financial Samurai) Vanguard’s assumptions are significantly lower than the past (4.02% for stocks, 1.3% for bonds, 1.58% inflation)
  5. Why I Took Money out of My House (The Irrelevant Investor); I disagree with this, I plan on holding onto my equity
  6. Create a Wealth Building Machine by Automating Your Finances (Mr. Money Wizard); 
  7. Ignore All Predictions: Investing, Economics, Weather, and Everything Else (Practically Independent); Predictions are often not worth the paper they are written on
  8. Living Paycheck To Paycheck… On Purpose (Impersonal Finances); Using an interesting technique to practice frugality
  9. 31 Simple Investment Rules – With Supporting Data (Dividend Earner); Some basic, some new
  10. Estate Planning for Your Pets (ESI Money); A key point for anyone in their estate planning – take care of your Pets!
  11. Is the Necktie Obsolete? (Art of Manliness); Yes, it is.

Saturday Linkage:

8/14/2021

  1. Wear a wide brimmed hat and retire extremely early (Early Retirement Extreme); Standard advice for all of us on how to live frugally and retire very early
  2. 3 Exercises Help Reluctant-to-Retire Folks Know When to Say When (Kiplingers). Interesting exercises to see if you are ready to go
  3. More Is More: The End of Minimalism (The Walrus); its always a cycle – just like the 70s begat the 80s
  4. Don’t Turn Your Passions Into Work (Bitches get Riches) Something I need to guard against with my woodworking side hustle
  5. It’s Okay to Outgrow the Life You Thought You Wanted (Rainesford Stauffer); The goal posts are always moving
  6. Curbside Pickup and the End of Peak Consumerism (Art of Manliness); Shopping online appears to be cutting back on impulse buying of extra items we don’t need
  7. This Is What ‘Self-Care’ REALLY Means, Because It’s Not All Salt Baths And Chocolate Cake (Thought Catalog) “True self-care is not salt baths and chocolate cake, it is making the choice to build a life you don’t need to regularly escape from.”  
  8. The Cost of Friendship (Incognito Money Scribe); One of the saddest things about the modern era is the decline of friendship
  9. Buying an Annuity versus Equities (Retire Early Lifestyle); Alternatives to just buing an annuity at retirement.
  10. The Ad Revenue Grid (Four Pillar Finance); For those of you trying to monetize your blogs and websites
  11. Our 2021 RV Adventure is Underway! (the Retirement Manifesto); Update and review of a families post-retirement travels by plane, train and automobile

Saturday Linkage:

7/31/2021

  1. Pockets that Surprise Us (Paul Sellers) Nice post on the wonders of engineered design
  2. Three Essential Books for Understanding Our Disorienting Modern World (the Art of Manliness); Look good – I’m going to have to check these out.
  3. A Better Alternative to Resolutions and Goals (Mad Fientist)
  4. Attract Money by Creating Value for a Specific Audience (Four Pillar Finance); You’re your Niche, and then exploit it.
  5. The Fall from Upper to Middle Class (Budget Life List); Not a sad story, actually
  6. Tips for the Road #3 – Camping (Othalafehu); The third in his series of random survival tips
  7. We offered to buy a home for $128,000 over list — but it wasn’t enough! (Get Rich Slowly); Sign of the times
  8. The Fragility of Life (Retirement Manifesto); A Sad tale of how things can quickly end
  9. A Travel Trick for Last-Minute Delayed or Canceled Flights (Route to Retire); Cute idea for when your travel plans take a detour
  10. What’s worse than paying taxes? Paying tax penalties (Go Curry Cracker); Tips to avoid getting on the wrong side of the IRS
  11. How to win in Socialist America (Freedom is Groovy); Basic tips to survive, many of which are timeless no matter what the political situation

Saturday Linkage:

7/17/2021

  1. You don’t know what you don’t know (Early Retirement Extreme); Ways to deal with a lack of knowledge about a subject
  2. Social Security Benefits COLA Likely to Be Largest in Decades (Kiplingers); Inflation is here. – but how much?
  3. Using Strengths and Positions of Strength (life outside the maze); What strengths do you have, and how can you use them to better your life?
  4. How to Make Coffee Like a Civil War Soldier (art of Manliness) An important skill to have !
  5. Some Fascinating Retirement Statistics (Retirement Manifesto) Some of these are somewhat disturbing  – like 51% of baby boomers are still paying on their mortgage.
  6. Our Travel Perks Are Drying Up and That’s Big $$$! (Route to Retire) What do you do when the travel perks you built up for years dry up?
  7. Playing With House Money (Go Curry Cracker); Trying to buy a house in today’s market
  8. How to Die with Zero (ESI Money) Using various strategies to die with $0  – but have sufficient money throughout your life to enjoy it.
  9. Why Trying to Quit My Job (Sort of) Made It Better (Clipping Chains); Sometimes companies don’t realize your value until you state your intention to leave
  10. Attention Is The Cash Value Of Time (Tony Isola) Interesting viewpoint.
  11. 2 Keys to Staying Mentally Sharp as You Age (Art of Manliness); For those of us approaching retirement, this is important.

Saturday Linkage:

7/10/2021

  1. What Does It Mean to Live A Rich Life? (Financially Balanced); There are a lot more things in life than just dollars.
  2. When the 80/20 Rule Fails: The Downside of Being Effective (James Clear); The potential downside of the 80/20 rule
  3. Will the post-Covid world include a 4-day workweek? (CNBC); There used to be a time with a 6-day, 12-hour workweek. We will see…
  4. It is Better to Donate than Resell (Becoming Minimalist); We tend to donate
  5. Coming Soon: The Allocator’s Edge (BPS and Pieces); Interesting book about alternative investments
  6. Why the first $100,000 is the Hardest – and advice to make it easier (Mr. Free at 33). I would also add that the first $1Million is hardest, and its easier as it goes.
  7. Home Bias and the Best Time to Diversify (Compound Advisors) Sound advice
  8. Who’s Driving Up Home Prices? (The Irrelevant Investor); I think its Aliens…
  9. 6 Simple Questions to Ask Yourself Before Investing in the Stock Market (Invested Wallet); For those just starting out.
  10. Rethinking the big financial killers (Financial chain Breakers); You need to be a conscious spender. Splurge on the things that matter, don’t spend much on things that don’t mean much to you
  11. Benefits Of Pursuing Financial Independence (Money Gremlin) It demands that you be different

Saturday Linkage:

7/3/2021

  1. Extreme frugality: Putting food by. (Donna Freedman); we do a little gardening, but no canning. WE do keep 2-4 weeks of food in the house.
  2. How to Build Financial Flexibility Into Your Life (Wallet Hacks): I believe Flexibility is a key part of your FI plan in the years ahead!
  3. Why The Housing Market Won’t Crash Any Time Soon (Financial Samurai); While I agree with most of his points, I also think real estate is local, and there will be some crashes in local markets, especially in the cities.
  4. If You’re Still Worried, You Aren’t Wealthy (A Wealth of Common Sense) I am a worry wart, so I don’t think I’ll every be serene here. Still, there are too many variables here to be completely calm going into retirement.
  5. Flip of a coin: How I decided to own a $250K 401K vs. a $250K mortgage  (Greenbacks magnet); There are a lot of variables and decisions. It really is a personal decision. I know I felt a “great weight” lifted when I paid off my mortgage.
  6. The problem with retiring early now (His Her Money Guide): Always an issue with “pulling the trigger”
  7. 5 Things I Started Automating That Drastically Reduced My Stress (the Financial Diet) Excellent advice to automate certain items in your life.
  8. How Much Do You Need to Be Financially Independent? (Of Dollars and Data); The eternal FI question.
  9. The SALT Deduction Limit (Go Curry Cracker); Tax benefits and penalties due to the reduction of deductions – and potential changes in 2022.
  10. Frugal Fatigue 2021 (Retire by 40); I think that is an issue a lot of folks struggle with . They build a very austere budget, and then have trouble sticking with it.
  11. How to Ask for a Raise: 9 Steps for Making More Money (Think Save Retire); Increasing your income is a great way to decrease the time necessary to hit FI