Saturday Linkage:

10/23/2021

  1. 25 Free Things To Do This Weekend (My Money Chronicles) Nice list
  2. The Art of Not Taking Things Personally (medium.dave) This is one of my major failings
  3. Americans Are Overworked And Over Work (Buzz Feed) The great resignation hits home
  4. What makes a job meaningful? (Brookings) Along the same line as above – I think a lot of folks are asking this question
  5. Time Heals Wounds (Humble Dollar); Investing over the long haul can help reduce the effects of a drop. Just give it time!
  6. Downsizing In Retirement: Any Regrets? (Can I retire yet?) I don’t know how much we’ll do this – Mrs. 39 Months is a bit of a pack rat
  7. The 60/40 portfolio: what the warning signs are telling us (Monevator) It may be underpowered for the long haul.
  8. When Do You Finally Feel Rich? It’s Not Always About The Money (Financial Samurai) Some deep and not-so-deep thoughts on the subject
  9. Only Focus on What You Can Control (Second Gen Finance) The true idea behind Stoicism
  10. A One Car Family (The Moneyaires) It can be done
  11. Worth vs. Worth It: Homeownership (Grumpus Maximus) “Owning brings certain loss. Renting guarantees it.”

Saturday Linkage:

10/16/2021

  1. The Forces Shaping Retirement in the 2020s (Kiplingers) includes topic like entitlement programs and flexible work in retirement
  2. Podcast: Do you want to be Rich or Wealthy (Art of Manliness) Why the difference matters
  3. The Best U.S. Dividend ETFs (Cash Flows & Portfolios) Good list
  4. Nobody Wants Cash Flow (The Irrelevant Investor) When money costs nothing
  5. Your First Rental Property (Get Rich Slowly) Some excellent tips when starting out
  6. Social Security Cost Of Living Adjustments: Too High For Our Own Good (Financial Samurai) But there are no signs of long-term inflation?
  7. My Evaluation of a Powerful New Retirement Tool: RISA (The Retirement Manifesto) Good evaluation of the “Retirement Income System Awareness” Assessment
  8. Getting a Mortgage Without a Job (Go Curry Cracker); It can be difficult at times for retired folks
  9. The New Retirementality, Retirement Failure and What Makes a Successful Retirement (ESI Money) Beginning of a new series on a book about your mental state in retirement
  10. 5 Sacrifices We Made In Our 20s To Be FINANCIALLY INDEPENDENT In Our 30s (The Humble Penny) Nice story, but very frugal folks
  11. 10 Ways To Stop Comparing Yourself To Others & Love Who You Are (Making sense of cents) Envy is one of the seven deadly sins

Saturday Linkage:

10/9/2021

  1. Financial Advisor Licenses and Designations (Oblivious Investor); For those thinking of getting professional assistance in their FI journey
  2.  Introducing The 90/10 Rule of Retirement (Retirement Manifesto); Its true- you spend 90% of your pre-FI time worrying about money, and only 10% of your post-FI time worrying about it.
  3. The Truth About Those Dollar Stores (Consumer Reports)
  4. What to do in the case of sustained Inflation (GMO); See, I’m not the only one worried about it
  5. How a $500 Monthly Allowance Saved Our Marriage (Slate); We worked with a “his money, her money, our money” way of budgeting for years.
  6. RV Dealerships Think New Campers Are Pieces Of Junk, Too (Jalopink) Well, there goes my dreams of the “van life”
  7. Scraping By? (Humble Dollar); Some shocking numbers of folks who make $50K – $100K just “scraping by”.
  8. Using Domestic Geoarbitrage to Retire Sooner (Can I retire yet) A very good strategy, if you can afford to move away from family & friends
  9. Real Estate Nightmares: Benefit From My Mistakes (Cananomics) So its not just the US, Canada is a mess as well
  10. Is Minimalism Over?…or is it Ramping up for a Major Resurgence? (Meg Nordmann)
  11. Sovereign Default, the Debt Ceiling, and the $1 Trillion Coin (Lyn Alden) Not sure it will every happen, but we are spending like “drunken sailors” in the US

Saturday Linkage:

10/2/2021

  1. Five Learnings from Five Years in Retirement (ESI Money); Basically, Retirement is Awesome
  2. Compassion for the Homeless Is Cruelty for the Working Class – Part I (Freedom is Groovy); Its sad but true.
  3. So You Want to be a Whitewater Raft Guide (Go Curry Cracker) I think I could have done this when I was younger
  4. What advice I would give my 23-year-old self (Retire by 40); I think everyone considers this at numerous times in their life
  5. The Pursuit of Childhood Joy (Retirement Manifesto); What I’m hoping to pursue for decades after I retire
  6. What Is POS vs PPO Health Insurance? The Costs And Benefits (Financial Samurai) We’ve always preferred the flexibility of a PPO
  7. A Financial Minimalist: Fiscally Slim & Trim (Budget Life List) Simplifying to reach FI
  8. What If Congress Bans Backdoor Roth and Mega Backdoor Roth? (The Finaance Buff); With the deficit spending going on in the US, I think its only a matter of time before this ends.
  9. How Does Retiring Early Impact Social Security Benefits? (Can I retire yet); This was a bit of a shock to me 3 years ago. I thought the SSN statement was gospel, but if assumes you’ll keep working at your current salary till full retirement age.
  10. Why Freedom can be Scary (Millenial Revolution) I always tell my students that being an adult is awesome!
  11. Highest Ever Chase Sapphire Preferred® Bonus & Featured Travel Offers. Editor’s Ratings and Credit Card Applications (Card Ratings)

Saturday Linkage:

9/25/2021

  1. Do The Weird Things Now Because One Day You Won’t Be Able To (Financial Panther); Its always a balance between spending now vs. saving for the future.
  2. Why Buying the Dip is a Terrible Investment Strategy (Dollars and Data); Hard to figure out whre the “dip” is and time getting back in.
  3. Buying NEW Cars with Financing (Miranda Marquit); We’ve always financed, but paid it off in advance. We finally have enough resources to pay them off with cash now.
  4. 10 ways to increase your income (Alan Donegan) Standard advice to increase your income as a way to help achieve FI.
  5. Why everybody’s hiring but nobody’s getting hired (Vox);
  6. The Case for Renting (PWL Capital); With the tax reform of 2017, it does make more sense to rent at times – – provided you invest the extra money you get out of it!
  7. Income for Sale (Humble Dollar) The case for delaying your social security date to the age of 70. 
  8. Dear Wife, Here’s How to FIRE If I Die Early (budgets are sexy) Need to shoot this to Mrs. 39 Months
  9. Should I Take A Mini-Retirement or Stick It Out? (Financial Mechanic); I’m dealing with this right now
  10. How long can I (should I) keep this job if they’ll keep me? (Her every cent counts); Similar to #9 above
  11. Making the transition to early retirement: Our 5 year plan (Rich Frugal Life)

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.