Saturday Linkage:

4/17/2021

  1. Countdown to Retirement, Part 1 (ESI Money); Links to a thread where someone is counting down his days to retirement, and what he’s doing on each day. Good tracking and good ideas.
  2. Six Lessons From a Year Without a Job (Clipping Chains); Interesting notes on the changes in the first 12 months.
  3. Award Travel Series: Getting to Hawaii for Free with Ultimate Rewards (Go Curry Cracker)
  4. Early Retirement Budgeting (the Dragons on Fire); Good notes on budgeting process for early retirement
  5. Reinventing The Wheel (the Retirement Manifesto); Author believes we should be “reinventing the wheel” in our lives constantly, even after retirement.
  6. Time to Sell? (JL Collins); the age old advice still holds – determine your asset allocation and stick to it. Don’t try to time the market, either up or down.
  7. Vacations on a budget (budget life list); Some good ideas to cut some of the costs while spending on the things you want on your vacation
  8. The Power of Writing by Hand (the Art of Manliness); I do an awful lot of writing by hand.
  9. The Most Important Rule in Investing (Compound Advisors); Know what you own, and why you own it what
  10. How people get rich now (Paul Graham); In 1982, it was still primarily by inheritance. Forty years later, its primarily by starting a tech company
  11. Financial Independence Requires Hustle, Then You Can Coast (stop ironing shirts); I think this is true of so many facets of life.

Saturday Linkage:

4/10/2021

  1. Envy Is the Cancer of the Soul (More to that); I truly believe that, and I battle it constantly! Its one of the seven deadly sins.
  2. The Problem with Always Wanting More (becoming minimalist); Sensing a theme here?
  3. After Being Poor, Your Financial Anxiety Remains (We Want Guac); I see this with Mrs. 39 Months – it stays with you for a lifetime.
  4. Four Pillars of Retirement: Money, Purpose, People, and Health (My Money Blog); Most people say that they hate work, but working takes care of more than just the money pillar.
  5. How to Build Wealth in your 50s (banker on Fire): It’s possible, even for those who come lateto the FI game.
  6. The Omnipresence of Work (more to that); With the advent of technology, it seems you just can’t escape work, even at 2am on a Saturday
  7. People Love the idea of a 20-minute neighborhood. Why isn’t it top of the agenda (The conversation); Maybe because previous attempts at government urban planning have failed miserably over the decades?
  8. What is Financial Independence? A Hybrid Model (The physician philosopher) Discussion of the various calculations, pluses and minuses of calculating FI
  9. How To Convince People You Are Middle Class When You’re Actually Rich (Financial Samurai); I don’t think this is an issue with most FI people – we are naturally frugal.
  10. Returning to the Office is My Nightmare (time in the market): This is true for so many people I know
  11. It’s Hard To Kill The Stock Market (tony Isola); Folks have been trying to do it for 150+ years, but its pretty resilient.

Saturday Linkage:

4/3/2021

  1. Is it time to ditch bonds (millennial revolution); I’ve asked myself that question before.
  2. Work Life Balance or Success (Steveark): Having a good work-life balance pretty much precludes you from being a CEO, Top Coach or top Politician
  3. The Cost of a Comfortable Retirement, by country (Frugal Wheels); This is pretty subjective, but interesting!
  4. What can investors do in the face of low returns? (Monevator); A lot of folks are predicting lower than normal returns for the next 10+ years, especially after the latest run up.
  5. The Generational Wealth Gap (The irrelevant Investor); Boomers have historically held a higher percentage of household wealth over the years (no surprise); The later generations have definitely been hit by the financial crises in the past 20 years.
  6. US Active Managers Flopped again in 2020 – Morningstar (the Evidence Investor). Big Surprise! Not really…
  7. Finally Bought My Beachfront Dream House! (Financial Samurai); A lot of folks have this dream.
  8. Money Lessons Not Taught in School (the frugal expat); Some very basic financial information isn’t taught, and it would help a lot of people if it was
  9. How to separate your self worth from your Professional life (Tis but a Moment); This is the curse of my Baby Boomer Generation – we tie up our identity with our jobs
  10. 5 Behaviors I Thought Meant I Loved My Job, But Were Actually Unhealthy (the Financial Diet); Do you really love your job? /
  11. How To Prevent A Layoff From Destroying Your FIRE Plan (Costa Rica Fire): For those still working towards FI, words of wisdom to prepare.

Saturday Linkage:

3/27/2021

  1. The 2021 Early Retirement Update (Living a FI); A long story, filled with ups & downs after achieving FI. A must read.
  2. Couples First year in early retirement (the dragons on fire); Interesting reading for those of us approaching the big day  
  3. Travel Hacking: How We Escape the RV and Vacation for (Almost) Free (Heath and Alyssa); Cute stories about travel hacking
  4. 10 Wise Investments and Other Uses for Your Stimulus Check (retire before dad); Better than spending it on a big screen TV
  5. Get Rich Quick vs. Get Rich Slowly (the FI journey); Good advice on going wither route.
  6. The Easiest $486 I’ve Ever Made: How To Use Cash Back Credit Cards To Your Advantage (Frugal Woods). Excellent use of cash rewards to make some spare cash
  7. Invest in Index Funds and Gamble a Little (Even Steven Money); Maybe 10% of your portfolio is “play money”
  8. How no student loan payments changed my life (Richful Thinker); Some people used the loan moratorium to greatly improve their financial situation
  9. Health Incentive Programs: A Lost Benefit Raider (Budget Life List); Another frugal way to earn cash & prizes!
  10. The Five Hour Workday (Four pillar finance); Only spend time of tasks that “move the needle” instead of meetings, socializing, etc.
  11. My life philosophy: 52 lessons from 52 years (Get Rich Slowly)

Saturday Linkage:

3/20/2021

  1. It’s Good to Be a Little Obsessed with Early Retirement (Retire by 40); “A little obsession is a good thing…”
  2. How to Prepare for Prosperity (his and  her money); Good advice on steps to take to gain prosperity
  3. We Have a Lot of Cash in Hand Now… Too Much! (Route to Retire); what to do when your cash equivalents get too large.
  4. The impact of covid on budgeting (Full Time Finance); Just about everyone’s budget have been thrown for a loop due to Covid
  5. Fixed and Variable Rate Loans: Which is better? (The simple dollar); as usual, it all depends on the situation.  
  6. Get Rich versus Stay Rich (The Belle Curve): How do you go about keeping what you’ve saved
  7. The Power of Low Expectations (Get Rich Slowly); The First Rule of a Happy Life is low expectations.
  8. The Illusion of Control (Financial Superstar); Never be afraid to ask for help
  9. How Dollywood gave me a glimpse of retirement (X Ray VSN); Cute story!
  10. Changing Financial Goals (just baggage enough); As Covid continues and life changes, your financial goals change as well
  11. Four Life lessons from the Pandemic (Life outside the Maze); Simple, easy to remember lessons.

Saturday Linkage:

3/13/2021

  1. When you can afford to retire but are afraid to quit your job (CostRica Fire); The eternal struggle of all FIRE folks!
  2. The Simplicity of the 50/30/20 Budget rule (dividend power); A simple form of setting your budget – great to start with!
  3. Frugal vs. Cheap (Bellawanana); Which are you?
  4. Ten Biggest Money Mistakes (Dollars and Data): the blog post that launched a reddit avalanche!
  5. Fifty Reflections on Life after FIRE upon turning 50 (retire by 45): Some obvious, some not so obvious
  6. Make Fewer things in life matter (the finance buff); Excellent advice on how to reduce your stress level and concerns by taking steps to make the minutia matter less. Plays into my Stoic attitude.
  7. How much money is enough? (Rinky doo Finance): Good analysis and questions on how to get a handle on “the number”
  8. Money can buy happiness after all (visual capitalist); Apparently it doesn’t plateau at $75K – it does continue to increase as you make more.
  9. Why FIRE people can sometimes be short sighted (save, spend, splurge); There are all sorts of levels of FI, and all sorts of variables that may impact you as you travel along your post-FI journey.
  10. Why retirees go broke (the retirement café); No surprises, but not items which most FIRE folks haven’t considered.
  11. Being Rich – What would change in life? (Route to Retire): Hopefully nothing in your “core” would change.

Saturday Linkage:

3/6/2021

  1. Ditch your Scarcity Mindset to create an abundant life (our life on fire); Diagnosis and tips on how to improve your mindset
  2. How owning assets is better than a job (frugal expat); one of the eternal lessons from rich dad, poor dad.
  3. Strangers took in a delivery driver for 5 days after she was stranded in the Texas storm (CNN): feel good story.
  4. The Market Value of My Father (wealth simple); Father’s are very undervalued in today’s culture.
  5. A false sense of purchasing power (becoming minimalist); One of the roots of our personal (and countrywide) debt crisis is the ease of borrowing money
  6. The Secret Essential Geography of the office (Wired); While the article says office work isn’t dead, I still wouldn’t want to own office real estate right now.
  7. Positive Feedback Loops (Zen habits); A great way to move towards your objectives.
  8. Why are we panicking again? (Dollars and Data); The author asks why the market is down 4.2% from its highs? I think its overvalued.
  9. Financial Compatibility: Balancing Money And Love (one frugal girl); the most important financial decision you will ever make is your choice of spouse.
  10. How To Increase Your Net Worth: 4 Steps To Follow And Repeat (reverse the crush); Its not rocket science.
  11. Is Your Side Hustle Worth the Time? (vital dollar); Something I ask myself a lot since starting it.

Saturday Linkage:

2/27/2021

  1. Negative Taxes (FI Heroes); A great article on how a recent retiree is able to pay “)” taxes due to planning – actually, they get a refund of over $4K from the government. Definitely a must read!
  2. An ice-cold update (get rich slowly). JD Roth dealing with some of the weather related issues the US has been having.
  3. “Fake Famous” and the Tedium of Influencer Culture (New Yorker); I hate influencer culture.
  4. Change the Name; Change the Mindset (average money management); just changing the name f rom “credit cards” to “debt cards” will make you look at them differently.
  5. Facing Adversity In Early Retirement (Retire by 40); What to do when you start having some issues that impact your original plan.
  6. What to Look For in a Laptop — And How to Make It Last (Trip of a lifestyle); Excellent advice.
  7. How I Knew I Had Enough To Retire Early (Leisure Freak); Good conversation on the milestones, information and hurdles that make up reaching the decision point.
  8. Active vs. Passive Investing Debate (Banker on Fire); In the end, the key is to invest and stick with it.
  9. How North Face Athletes Compete for Expedition Funding (Outside); Interesting article
  10. The Math That Explains How to Get Rich with Websites (four pillar finance) Guess I’m falling down on the job here…
  11. Emergency Preparedness: Prepping For Spontaneous misadventures (budget life list); Mrs. 39 Months and I have been watching survival shows lately (Alone, I should be dead, etc.) Got the bug!

Saturday Linkage:

2/20/2021

  1. The life Plan (Darious Foroux); Good article on planning out your life, and then executing to that plan.
  2. Four Ways Financial Independence Changed our lives (financial mechanic); No surprises, but good to see it happening like many of us want it to for us
  3. The Diminishing Returns of Productivity (anne Helen); You can only go so far with productivity “hacks.”
  4. I tried to get rich of Dogecoin and all I got was this lousy blog post (government worker fi);
  5. Traditionally Publishing a book – the Pros and Cons (Financial Samurai); Ever wanted to write a book and get it published?
  6. Is it a  mistake to pay off your mortgage early? (budgets are sexy); we paid off ours and it lifted a huge weight. With the economy the way it is, being debt free is a major plus, in my opinion. /
  7. Most people can’t save money because of this common misconception (money side up); Always pay yourself first
  8. Five outdated money tips that everyone still believes (a lawyer and her money); I still follow #4 and #5
  9. When did ordinary become a bad word (money gremlin); With the advent of Facebook and other social media, everyone is chasing and showing these exceptional experiences – but most of life is very ordinary.
  10. How much does it cost to live the FIRE life (eat, sleep, breath FI); One person’s attempt to gather data from a variety of people for an ongoing series
  11. Building a small Apartment Workbench for Woodworking (Close Grain). Love this design, based on an older 19th century plan, and how it can be used for apartment folks.

Saturday Linkage:

2/13/2021

  1. Go Curry Cracker business review (Go Curry Cracker); An interesting walk through GCC’s numbers on his blog, how its profited, hours spent, social media activity, etc.
  2. Good news about credit card debt in the US (how much); It appears folks are taking the opportunity with Covid to reduce the credit card debt. Down nationally -14%!
  3. How to calculate your personal inflation rate (monevator); How much does your spending go up each year and what does it mean for your future spending?
  4. How to get through the boring middle part of the FI journey (strong money Australia).; we’re all struggling with this step in the journey.
  5. The Defining Trait of all bubbles – the willful suspension of disbelief (a wealth of common sense); Whether it’s the Tulip craze, the South Sea bubble, the dot.com bubble or some other craze, they all eventually “pop.”
  6. Terrible financial advice is going viral on TikTok (vox.com); some real whoppers are being told.
  7. Three Retirement Myths of the Social Media Era (incognito money scribe); Most folks I the FIRE community don’t fall for these.
  8. Crony Socialism (Freedom is Groovy); a plea to spend educational funding in a different way.
  9. Owning Rental Properties Is Smart, but I’m Out, Jack! (Route to Retire); I think we’re going to see a lot of the smaller rental property owners dropping out in the months ahead due the the Chinese Virus.
  10. Mania Stocks and a large portfolio (full time finance): The Larger the Portfolio, the Less Value in Taking a Speculative Bets
  11. Twenty ways to be happier in life (Retirement Manifesto); we all need upbeat articles now and then