Saturday Linkage:


  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:


  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:


  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:


  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

Saturday Linkage:


  1. A Project of One’s Own (Paul Graham); One of the worries of FiRE is you lose your motivation. Having your own projects post-FIRE is key to your long term happiness.
  2. 5 Things I Started Automating That Drastically Reduced My Stress (the Financial Diet); Automating my investing and bill paying was extremely helpful.
  3. Google will show employees how their pay may change if they move offices (Cnet); This is probably one of the most significant changes to worker location since the great depression.
  4. Forty Life Lessons from 40 years (the Minimalist); Ten years after writing (30 lessons in 30 years” he’s back with an update.
  5. Personal Finance is not Just About the Math (fire bird finance); Lifestyle is a big point.
  6. How much cash flow do you need to change your life? (The Darwin Doctor); Even a small amount of cash flow can change your perspective
  7. Side Hustle Statistics 2021: The Increasing Number of People Starting Side Hustles (like to Dabble);
  8. 4 Action Steps to Make Your Dream of Retiring Early a Reality (Moneying): Fairly basic for FIRE folks, but they are critical.
  9. Want an extra $900K? Take a Walk (Rich Frugal Life); staying in shape and watching your health will definitely help you as you retire
  10. Benefits Of Not Buying That Expensive And Unnecessary Thing (Accidental Fire); You don’t need to be extremely frugal – you just need to be focused in your purchasing choices.
  11. Index Funds’ Voting Power (And What to Do About It?) (Oblivious Investor); Index funds have a lot of voting power for companies. Is this a problem?

Saturday Linkage:


  1. Acadia National Park – The Adventure Continues (Reflections around the Campfire); Time to get outdoors!
  2. 20 Ways to Save on Health Care (Kiplingers); Some good ideas & I need to concentrate on these once I retire early
  3. The Essex County cupboard project: recessed front stiles (Peter Follansbee); I really love hand tool woodworking
  4. Experiential Learning (Paul Sellers); Excellent article on how wood is milled into boards, and how the different methods yield different strengths of wood
  5. How to Pack a Backpack for Backpacking (Art of Manliness); One of my many hobbies
  6. Revenge Spend: The Urge to Splurge (Budget Life List); We are all feeling this right now!
  7. Series I savings bonds: A safe investment with a high return (Get rich slowly); Inflation adjusted, earning better interest than savings.
  8. You Can Do Anything You Put Your Mind To (Retirement Manifesto); Simple Life lesson, but hard to apply
  9. When you have your dream job, you don’t spend a lot of time dreaming (Retire by 40);
  10. Award Travel Series: Two Player Mode (Go Curry Cracker); Once you’ve exhausted your opportunities with Chase 5/24 and American Express – use your spouse or significant other to get more!
  11. Six Important Reasons Not to Retire Early (Clipping Chains)

Sunday Linkage:


Sorry its a day late

  1. Finding Happiness Once You Leave the Rat Race (Route to Retire); Nice article on how to transition once you retire.
  2. Early Retirement Invisibility: The Getting Over Yourself Transition (Leisure Freak); A lot of hard charging, Type A FIRE folks have this issue when they first start out.
  3. Redefining Rich: How Minimalism Leads to a More Meaningful Life (Nosidebar); “Building a life full ow what makes you come alive”
  4. Speculation: A Game You Can’t Win (More to That); BitCoin and other speculations.
  5. The Modern Trap of Turning Hobbies Into Hustles (Repeller); Something I’ve done with TKD Woodworking – I hope I don’t regret it.
  6. My Uncle Died Without a Will – And It Was a Nightmare (Young and Thrifty); One of your first steps along your FIRE journey should be to get this sort of documentation done.
  7. Should Investors be worried about US Government Debt? (Evidence Investor); The article says no, but I say Yes!
  8. Beating inflation versus hedging against inflation (Monevator); Evaluation of various items vs. inflation.
  9. When to sell a stock: 7 tips for getting out at the right time (Think Save Retire); Good to know when to “punch out”
  10. Diversifying with Online Real Estate Investments (Retire by 40); Another way to invest in the real estate boom
  11. Prepping Tasks Around the House (Othalafeu); Get ready for the Zombie Apocalypse

Saturday Linkage:


  1. Where Would You Rather Be A Digital Nomad? Tuscany, Italy Or Jacksonville, Florida (Costa Rica FIRE); Geo-arbitrage can take you a long way towards FIRE.  
  2. Best EVER Offer on Chase Sapphire Preferred: Our Top Recommended Card (Travel Miles 101); For those who like to play the credit card awards game.
  3. Roth IRA Basics: 11 Things You Must Know (Kiplingers)
  4. Retiring early on $500,000 (Early Retirement Extreme); Originally posted in 2009, he goes through his investments and cash flow strategy once retired.
  5. The 15 Best Real Estate Investing Strategies (Coach Carson); For those interested in it. I’d like to get into it, haven’t had the chance yet.
  6. Styling Life (Paul Sellers); Musings from a woodworker with over 40+ years of hand tool and teaching experience.
  7. 11 Best Monthly Dividend Stocks and Funds to Buy (Kiplingers); Some significant yields, as much as 8% – mostly from REITS. 21
  8. The top 5 ways I was able to reach a mid-6 Figure Net worth (Life Outside the Maze); Some fairly basic, some not so much – good read.
  9. The Power of Pocket Pads (Art of Manliness); I’ve almost always got my binder to take notes.
  10. Financial Hygiene: Clean the Green (Budget Life List); The things she does on a regular basis to “clean” her financial life and keep on track
  11. Collins on Crypto (JL Collins); I’m not a fan – it really is just speculating, not investing.

Saturday Linkage:


  1. Will There Be a Buyer’s Housing Market in 2021? (The Simple Dollar); In my opinion – No.
  2. The Emergency Fund: It’s Still Useless! (Early Retirement Now); I disagree wholeheartedly – for many people, the emergency fund is a critical first step towards FI.
  3. 10 Steps to Make Sure You Have Enough Money to Retire (Retirement Manifesto); Step-by-step to confirm you’ll have enough.
  4. The Many Different Paths To Financial Independence (banker on fire); short summary of some common FI strategies.
  5. Is Now the Time To Cash Out Some Home Equity? (A wealth of common sense); Sure, go ahead and pull it out and spend it on vacations, jet skis, etc. Its not like your house can suddenly lose 50% of its value….
  6. What’s really important in life? How trade-offs help us decide (No More Weekdays); Interesting method ofr setting priorities.
  7. How to separate your self worth from your professional life (Tis but a moment); For my generation, this is a major danger.
  8. The Ideal Length Of Time To Own A Car Is Not Forever (Financial Samurai); I kinda disagree with this. I’ve owned four cars in my life, and drove two of them till they fell apart on the side of the road. I prefer to buy new, and then maintain them to last forever. Current pair of our cars are 14 and 11 years old.
  9. Has There Ever Been a Worse Time to Be a Homebuyer? (A wealth of Common Sense): I think the mid-1980s was pretty bad. The 1970s inflation had driven up the price of homes well past what folks could afford, and in order to tame inflation, the Fed jacked up interest rates to unbelievable numbers. We had a friend with an 18% loan rate!
  10. Simple Living is a Ton Better Than Complex Living (Filled with Money); All things in moderation – including simplicity.
  11. If Retiring at 30 is Scary, then Retiring at 60 is Terrifying (A Trip of a lifestyle); This assumes that, if things go bad, you can always get a new job at age 40 vs. trying to find a job at 70.

Saturday Linkage:


  1. To be more tech-savvy, borrow these strategies from the Amish (psyche); Excellent article about making conscious decisions on what Tech to use, and what not to.
  2. How Much House Can I Afford? (Simple Dollar); I still go by “The Millionaire Next Door” philosophy – don’t take out a home loan (i.e. house price – your down payment) for more that 2X your salary if you want to become wealthy.
  3. How to Help Loved Ones Financially (Morningstar); I always treat is as a gift, and assume I won’t get it back. Better that way.
  4. How to Sell Your House Yourself Without a Realtor (Well kept wallet); Not sure if I would do this – a good realtor does a lot of work for you.
  5. The home sales boom means you might end up renting (Recode); I always suggest you rent for at least a year when you move somewhere, so you can be sure of where you want to buy a home.
  6. Ten Tips for a Minimalist Wardrobe (Noisebar); While I am not a minimalist, I probably could stand to reduce my wardrobe some. I’ve got a lot of clothes I never wear.
  7. My $100 a month, 3000 calories a day food budget breakdown (Reddit); As you retire, you will find food becoming a major expense.
  8. How Do You Get Rich? Slowly, and Then Suddenly (Benlefort): Yep, that’s how it was with us.
  9. Why Coast FIRE should be the goal: an example (Financial Chain Breakers); Reach the point where you don’t have to save any more, just keep it where it is till retirement age.
  10. The real cost of owning a car (But Wait, there’s less); We still plan on owning, but then again, we have a 14 year old and an 11 year old car – with no signs of trading them in.
  11. Did HGTV Ruin the Housing Market For Millennials? (A Wealth of Common Sense); I used to be addicted to HGTV.