Posts Tagged ‘financial independence’

An Actual Recipe for Grandeur

January 7, 2013 14 comments


They say we only use about 10% of our brain.  Have you ever wondered what might happen if you could access 100%?  What if you had a plan attain Financial Independence in your 30’s?

Limitless was a semi-successful thriller about a guy who finds a drug that allows him to learn instantly and recall anything he’s ever seen whenever he needs it.  Turns out, he’s able to do some incredible shit and eventually runs for president to try to save the world…

Most people tell me that I’m nuts when I talk about my goal of retiring in my 30’s (I’m 24 now).  They tell me they didn’t do it, they’ve never seen anyone do it, and therefor, it can’t be done.  I believe the possibilities are truly limitless when I set my mind to something.  So here is how I’m going to do it.

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Financial update – Q4 2012

December 27, 2012 12 comments

Income VS Spending Q4 2012 (2)

2012 has been a fantastic year for learning about personal finance   Since starting my financial turnaround in January, 2012, I’ve been able to accomplish quite a bit.  Here are a few highlights.

  • I know where all my money is going and I now have a functioning budget
  • I started this blog to keep myself honest and help those who happen to wonder by
  • My income rose by about 7%
  • My spending has fallen by about 40%
  • My passive income rose by an alarming amount (from 0 to a little over $1,300)

In 2011, I had an after tax savings rate of 20%.  In 2012, I failed to meet my goal of 50%, but I did hit 47% (not too shabby).

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The Keys to Success: Uncommon Modesty

November 19, 2012 4 comments


So my absolute favorite blogger on the whole internet wrote an entire post about my personal financial rebellion.  Mr. Money Mustache published my “case study” after I sent him an email a few months back thanking him for the impact that he’s had on my life.  (you should read it)

It got me thinking about extreme modesty as a liability as well as an asset.  Which is certainly a difficult topic to write about while still staying modest…

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Quick financial wins – you gotta start somewhere!

October 18, 2012 1 comment

Manufacturing Motivation

A while back, before my financial mindset shifted, I had a lot of trouble connecting small amounts of money to long term prosperity.  Saving a dollar at the grocery store didn’t seem to correlate with retiring early.  I had no incentive to begin seriously saving/investing money because the two concepts were orders of magnitude different.

In order to get motivated, I made a few small changes that yielded short term, tangible results.  I call this my list of quick wins.  None of them really “moved the needle” in terms of my net worth, but they were necessary steps.  They helped me link short term savings to long term savings; tiny to life changing.

As Bob Marley said “If you don’t start somewhere, you’re gonna go nowhere.”  Truer words were never spoken.

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Initial Conditions – Where you start matters

October 6, 2012 Leave a comment

The Beginning

I grew up in a middle class American family who never cared or learned very much about money.   Both of my parents had their Ph.Ds*, and they loved what they did.  So they went to work everyday, lived below their means, and retired at age 55.5 with an enormous pension!  Their most important priorities were always us kids and making sure we turned out well.   The first time they ever knew their net worth was when I helped them set up a Mint account earlier this year.  The way you are raised has a big impact on how you operate your cash.  I was blessed with great parents, but they didn’t teach me much about money

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An Introduction

October 5, 2012 Leave a comment

Two years ago,  I knew almost nothing about my cash.  I didn’t know exactly how much I was making, I didn’t know where it was going, and I didn’t know what I should be doing with it.  I figured that if I followed the rules passed down to me from generations of hardworking people, I couldn’t go wrong.  Those rule went as follows.

  • Don’t live beyond your means (don’t buy a Maserati at age 25)
  • Cook most of your own food most of the time (Don’t eat at Applebees everyday)
  • Go to work everyday and try your best (no facebook at work!)
  • Don’t go into debt (credit cards are dangerous…)
  • And that’s it, the rest will take care of itself (Not everyone needs to be a financial planner)

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Conventional Financial Wisdom is Overrated


Learning to be a fiscally responsible member of “Generation Me”

Solving The Money Puzzle

Putting the pieces together for a secure financial future.

Are Ya Gonna Eat That?

A blog to pass the time until my next meal

Homemade with Mess

who wants life to be tidy when you can have more fun making a mess??!

Evolving Personal Finance

Conventional financial wisdom is overrated

Prairie Eco-Thrifter

Go Green, Save Money, Live Healthy, Give Back, Have Fun

Planting Our Pennies

Money, Happiness, Kittens

Mr. Money Mustache

Early Retirement through Badassity

Eat Climb Travel

Travel tips and inspiration for the beginner solo traveler

The Money Puzzle

Putting the pieces together for a secure financial future.

Canadian Performer's Money

Financial education for performing artists