Saturday Linkage


Sorry I missed last week – got buried with landscaping work at home (dug up a lot of beds by hand, put down 5 cubic yards of mulch, planted perennials, etc.).

  1. Thoughts on passive investing “bubble (Early Retirement Now):
  2. Want to turn your finances around? (Simple Dollar);  8 things to remember at the beginning of financial changes.
  3. How to use Apps and websites to sell your stuff locally for free (tic toc life); Need to consider this for my side hustle
  4. Should I max out my 401K at the beginning of the year (Pete the Planner): What is the pluses and minuses of this strategy?
  5. Is our retirement in Panama Unexpectedly over? (Route to Retire); Some of the perils of retiring overseas.
  6. Why would anyone own bonds right now (a wealth of common sense); mirrors my own thoughts.
  7. The nine money and life lessons most people learn too late in life (CNBC);
  8. The Permanent Portfolio (the irrelevant investor); Interesting take on  a different type of portfolio to handle potential risks involving S&P500, one-month t-bills, long-term government bonds and gold.
  9. Celebrating Financial Independence wins along the way (Costa Rica Fire); Taking time out to celebrate the wins will keep the motivation high
  10. Action Creates Motivation (Get Rich Slowly); If you want to make changes in life, you can’t just plan, you must act as well.
  11. Seven Phases of retirement (Retire by 40); Good review of the progress from start to finish as you journey towards full retirement.
  12. Money Lessons they don’t teach in school (Four Pillar Freedom); Good list, including “owning assets leads to wealth” and Compound interest

Saturday Linkage


  1. What is the 30-day rule? (Millennial Money); what method to control impulse spending.
  2. Debt Freedom doesn’t equal wealth (Budgetnista); It’s a first step along the path, but just because you are debt-free doesn’t mean the story has ended.
  3. Asset Allocation: The security bucket (Physician on fire); Good description of your emergency fund and spending money for the next 1-3 years, and where you can place those investments.
  4. Twenty-Five Ways you could be saving money now (Simple Dollar); Nice list
  5. How to include charity in your budget (budgets are sexy); we set aside a percentage of our budget each month for this.
  6. Historical Returns of small cap and value stocks (mindfully investing); shows historical returns, which is where I had issues with our financial advisor’s numbers. Note that numbers are not adjusted for inflation.
  7. Solving the Housing Affordability Crisis (Financial Samurai); Can’t say I’m a fan of providing subsidized housing I think there are better ways to do this.
  8. How to enjoy early retirement (city frugal); Interesting list of some of the problems with our current retirement lifestyle, an dhow you can overcome them yourself.
  9. Fifteen Months into early retirement Q&A (Stop ironing shirts); Nice to get info from folks who have just started on the RE path.
  10. Retirement isn’t static (Cracking retirement); Be flexible with your plans. You don’t know what will come up, and you need to be prepared to take advantage of opportunities.
  11. Treehouse writing Studio (Retirement Manifesto); Someone’s always dreamed of a treehouse since he was a kid. How he made it work for him
  12. How much does it cost to repair your credit (Thinksaveretire); Costs for do-it-yourself to hiring someone to assist.

Saturday Links

July 18, 2020

  1. What I learned about myself after taking an investment loss (Costa Rica fire); thirty-three lesson about what they did wrong, and what they did to fix it.
  2. Perceived Safety of Bonds (Retirement Field Guide); Good explanation of how bonds aren’t really that safe, especially as inflation rears its ugly head.
  3. Retirement needs Stimulation (Cracking Retirement); The Chinese Covid virus has exposed the need to have friends, hobbies and stimulation once you retire.
  4. Summer vacation in the pandemic Area (retire by 40); Some ideas, primarily focused on road travel vs. air.
  5. Roth IRA conversion calculator (dqydj); Nice tool to show if you should convert, and how to do it.
  6. NVR BORD (The Retirement Manifesto); Very cute.
  7. Its OK to spend your savings (she picks up pennies); Another article that supports the idea that life is for living – don’t spend all your time being frugal – enjoy the journey along the way.
  8. My four goals (the humble dollar); good article on someone approaching retirement, and the goals they have for their money as they “ease into” retirement.
  9. How Rich people go broke (A Wealth of common sense); How do folks like Robert DeNiro lose all their money? What are the mistakes rich people make that cause them to lose it?
  10. The Most Vulnerable Cities (The Irrelevant Investor); The difference between having businesses that need employees on site vs. work that can be done remotely. Also, the variety of businesses vs. “one trick pony” cities.

Saturday Linkage


  1. Joining a Cult: The Financial Independence Counterculture (the physician Philosopher); One of us, one of us…
  2. Slow down … FIRE is not a race (Budgets are Sexy); Goes over the concept of “Coast FIRE” where you reach a point that you don’t have to continue to contribute to your retirement accounts, and eventually you will ge there. So do work you enjoy that just pays the current bills.
  3. My Thoughts on the “Passive Investing Bubble” (Early Retirement Now); Could all the folks investing in the S&P500 be creating a bubble?
  4. The Complete Guide to Withdrawing Funds Early From Your 401(k), IRA and Roth IRA  (MinaFI): Good discussion on ways for folks to access their retirement accounts prior to 59-1/2.
  5. Debt Freedom Doesn’t equal wealth (Budgetnistablog); It’s a step along the path
  6. States Without Income Tax: Is There a Benefit to Moving?  (you be three); States have to make their money somehow – so depending on your stage in life, the different states tax codes can help or hinder you.
  7. The Paradox of Thrift While Choosing Financial Independence  (medimentary); People save for a future purchase, an experience, or to maintain a certain lifestyle in the future.
  8. 15 Deep Insights about Death to Understand the Meaning of Life & Live Fully Alive  ( Some interesting observations, brought on by the death of a beloved pet.
  9. The Bear Market in Happiness  (a wealth of common sense); Common sense thoughts on finding happiness, especially in the age of Chinese Covid-19
  10. Five Milestones You Must Reach Before You Retire  (Retirement Manifesto); Some key things you must know/have done before you can be ready to retire.

Saturday Linkage

June 27, 2020

  1. I quit my job at the start of the pandemic to launch a company. Here’s what I’ve learned in the first 90 days. (The Profile)
  2. Robinhood increases guardrails on options trading in the wake of a customer suicide (CNBC); How does a 20-year old get access to funds to accumulate $730K of losses?
  3. Consumer Addiction and 5 Ways to Beat It (Physician on Fire); Ways to keep from spending on consumer goods.
  4. What’s dragging down your beloved VTSAX? (Freddy Midlap). Discusson of the financial and energy sectors effect on the index.
  5. How to turn your side hustle into passive income (Budgets are Sexy):
  6. When your Money makes more Money than you (Banker of Fire): As you move on in your FI journey, eventually you hit this point – and that is when you know you are getting close.
  7. Is the Stock Market going to Crash? (The retirement manifesto); Short answer – yes! The market goes up & down, sometimes violently. Prepare for it.
  8. Roth 401K vs 401K – which is better (of dollars and data); Good analysis. My vote is for the Roth 401K.
  9. How much will you lose if bond prices fall? (And what if they rise?) (Monevator); Interesting analysis. I’ve started to rethink my allocation in bonds, and this reinforces my thoughts.
  10. What I wish I knew (1500 days); common lament of folks who found the FIRE movement later in life – the time wasted!

Saturday Linkage

June 20, 2020

  1. Building a Dream (Retirement Manifesto): The two of them are retired and starting to build a dream workshop. Thoughts on pursuing your dreams.
  2. What’s your magic number? (Rational Walk); Good discussion on your “number” and the costs and benefits of achieving it, as well as potential timelines.
  3. Emotional Benefits of Gardening (Princeton Environmental Institute)
  4. How to start a simple garden (Simple Dollar); Basic steps to get started in a small space (even a windowsill in your home!)
  5. Divided by a common drawdown dilemma (Monevator); Interesting discussion on the concept of living off dividends/interest vs. selling off capital gains as a method of paying for retirement.
  6. Married to a selfish husband (one frugal girl); issues when one is s spender and the other is a saver. How do you work that out?
  7. How to get a fantastic deal on a new car (clipping chains); Methods to improve the amount you pay for a new car.
  8. Slow Down…FIRE is not a race (Budgets are sexy); Gentle reminder that you need to live life as well as save for FI.
  9. Life Insurance in Early Retirement – cancel or keep it? (Route to Retire). Good article on the pluses and minuses of keeping insurance even if you’ve achieve FIRE
  10. How to Make money blogging (Think, save, retire); article goes through ways to monetize your blogging experience.
  11. Everything is back to normal (slightly early retirement); how things are going in one of the states which has opened back up after Covid.
  12. Return to Normal? Not exactly (Slowly Sipping Coffee); Interesting list of changes to his life after retiring early. Its not all Roses and Ice Cream.
  13. The Value of Free speech (Retirement Manifesto); In these times, its important to speak out about these kind of topics, rather than let folks be silenced

Saturday Linkage – a little late

Sorry its a little late. I got tied up with some major yard work over the weekend (with a lot of poison ivy) so didn’t get to this. Enjoy!

  1. Short-Term vs. Long-Term Financial Solutions (The Simple Dollar); Some are quick hits, some help you play the “long game.”
  2. Milestone reached: Early retirement phase (Leisure Freak); Good discussions on the ages phases of retirement and how they have budgeted and drawn down their money for each phase
  3. Comparing Median Incomes And Home Values Across America (Accidental Fire); In case you are interested in permanently working from home and cutting your costs
  4. Things I learned while taking a sabbatical (Budgets are Sexy); What a lot of us are interested in – taking some extended time off, but not necessarily “checking out” of work
  5. Don’t stop investing during a Recession (Retire by 40); Dollar cost averaging rules the roost, and you should take advantage of stocks “on sale”
  6. Who is driving the stock market (Irrelevant Investor); In line with what I’ve discussed, the fed injecting money, a lot of speculation, and the Chinese Flue not being as severe as originally thought.
  7. The Fixed Income Conundrum (Retirement Field Guide); Treasuries low, dividend in danger, savings not paying. How do we create a stream of income?
  8. US Fund Managers flopped in the Crisis (Evidence Investor). To nobody’s surprise, even in times of crisis, active managers underperform the market (i.e. index funds).

Saturday Linkage

May 30, 2020

  1. Its Memorial Day (5am Joel); Honor and remember those who gave their lives for your freedom.  
  2. What its like not having to work on Monday (Clipping Chains); What its like to finally achieve FIRE.
  3. Master Delayed Gratification to achieve FI (Accidental Fire); How  the folks who have mastered delayed gratification are on their way; it’s the first step towards achieving financial independence.
  4. Are we facing a retirement crisis? (Retirement Manifesto); He goes through the dismal numbers of so many folks who have not saved or prepared for retirement. I’d also lump in the fact that the government pension systems in so many states is in dismal shape due to decades of underfunding.
  5. No one ever got rich by being frugal (Retire by 40); Another article that states individuals need to focus not just on being frugal, but on increasing their income, via raises, side hustles, etc. Can’t argue with it.
  6. For Long term investors, stocks are the only option (evidence investor); Similar to my early posting, the article notes that “bonds pay nothing” and “cash is trash.” Only stocks may assist you with the potential of inflation.
  7. How to negotiate a mini-retirement (millennial money); Some things don’t fit into a 2-week vacation. How to go about negotiating an extended time off of work
  8. Three retirement needs you must satisfy (ESI Money); Talks about the three “needs” that jobs inadvertently fill that we need for retirement – structure, purpose, sense of community.
  9. Here comes inflation or deflation (full time finance); Discussion on the potential and resulting situations based on inflation or deflation in the economy.
  10. What to do when the novelty of frugality wears off (The simple dollar); Something in line with the FIRE burnout article I wrote about previously. People should not be so frugal that they forget to live their lives as they pursue FI.

Saturday Linkage

  1. The Amazing tax benefits of early retirement (Can I retire yet); Goes through the tax implications of the last few years leading up to retirement, and how its possible to pay very limited taxes in retirement – even early retirement!
  2. Make Do & use what you have (the three year experiment); Interesting article about using the items you already have and fixing them instead of always buying something new.
  3. Why liquid net worth is so important for your finances (of dollars and data); The majority of net worth for most Americans is tied up in their homes – but you can’t eat your homes. You need to have a significant portion of your net worth is assets you can spend, especially as you move towards retirement.
  4. Low bond returns are nothing new (a wealth of common sense); Article details that bond returns, measured against inflation, were not very good from 1940-1979. The current bond returns appear to be historical.
  5. Revenge of the Latte Factor (Monevator); Arguments against “false –frugality” of David Bach’s Latte Factor
  6. Could the Coronavirus led to larger homes and office spaces (; My take is that all this working from home will lead to smaller office spaces, more hoteling, etc.
  7. Getting my wife on board with the FIRE lifestyle (Budgets are sexy); The eternal issue of one part of a relationship “taking the red pill,” and then having to convince the other to go along.
  8. What is most important – Earning more, spending less, or investing? (Life outside the Maze); Interesting run down of the numbers
  9. Buying into a Bear Market (Retirment Manifesto); Goes through his strategy of buying over the last several months as the market dropped – and its result.

Saturday Linkage

Sorry its a day late. Was a little busy yesterday and didn’t get it posted.

  • Retiring in times of extremely low interest rates (Can I retire yet); Goes through the historical usage of bonds as retirement assets, and how the current low interest environment is changing the “perceived wisdom” in this regard.
  • Goals vs Systems (Scott Adams Says): The inventor of Dilbert discusses how goal setting is the wrong way to improve – you should create systems in your life that are self-perpetuating (i.e.  instead of “lose weight” set up a system to go to the gym every day).
  • Autumn Spring Cleaning & Lockdown changes (Just Baggage Enough): Things to do while on “lock down” and discussions of how their state is handling the “opening up.
  • The case against value investing (The irrelevant investor): Good argument on why value stocks have not delivered over the last 15 years – not really since the bubble burst.
  • Potential Problems with Starting a Business in a Crisis (full Time finance); Discussion on some of the reasons you may not want to start a new business during this Corona Virus.  t we do instead (Costa Rica Fire): They don’t budget in advance of spending, but they do track expenses – and adjust as it goes. They are also enthusiastic savers.
  • Is the rise of Indexing bad for corporate governance (Evidence investor); The article lays out how passive investing has been accused of passive corporate governance, letting top 500 company’s directors get away with stuff – but the evidence does not bear this accusation out