Archives

four_archivesHere you can find every article I’ve ever written. Happy reading!


Top 15 Most Read

1. The Early Retirement Grid
2. I Just Quit My Job
3. The Math That Explains Why Net Worth Goes Crazy After the First $100k
4. How I Saved $100,000 By Age 24
5. Here’s How Income During Retirement Blows the 4% Rule Out of the Water
6. How to Build Wealth
7. Charlie Munger: The First $100,000 is a B*tch
8. The Million Dollar Age Grid
9. Buy Less Stuff. Buy More Assets.
10. Why I Don’t Set Goals
11. Reader Question: Should I Keep my Stressful High-Income Job to Reach F.I. as Fast as Possible?
12. Mixing Active and Passive Income for Maximum Happiness
13. Working One Day a Week Can Be Worth $100,000
14. Here’s How Long it Has Historically Taken to Save $1 Million
15. Should You Pursue F.I. if You Don’t Have a Passion Outside of Your Day Job?

2019

September

September 17 – My Online Income Journey: From $0 to $3k/month and Beyond

September 15 – Sunday is for Sharing: Volume 117

September 13 – My Three Biggest Takeaways from FinCon 2019

September 12 – VYM vs. VIG: Which Dividend ETF is Better?

September 10 – The Ivy Lee Method: A Daily Routine to Maximize Productivity

September 8 – Sunday is for Sharing: Volume 116

September 6 – The Connection Between Zen and Personal Finance

September 3 – Is Blogging a Realistic Way to Earn a Full-Time Living?

September 2 – September 2019 Financial Update

September 1 – Sunday is for Sharing: Volume 115

August

August 30 – FI Tracker: An App That Tracks Your Progess Towards Financial Independence

August 29 – Life Outside the 9-5

August 25 – Sunday is for Sharing: Volume 114

August 23 – Why I Traded a High Income with Low Growth for a Low Income with High Growth

August 21 – What Exactly is Lean FIRE? A Minimalist Approach to Financial Independence

August 20 – Build a Workforce. Don’t Build a Workload.

August 18 – Sunday is for Sharing: Volume 113

August 15 – First Principles Thinking: Should You Invest in a 401(k)?

August 11 – Sunday is for Sharing: Volume 112

August 9 – Why Stock Market Volatility Doesn’t Faze Me

August 8 – The Optimal Amount of Time to Spend Working Each Day, According to Research

August 7 – How to Gain a Better Understanding of the Things That Bring You Joy

August 5 – When Work Feels Like Play, Retiring Doesn’t Make Sense

August 4 – Sunday is for Sharing: Volume 111

August 3 – VTSAX vs. VFIAX: Which Index Fund is Better?

August 2 – How Much Should You Spend on Trips?

August 1 – August 2019 Financial Update

July

July 31 – Why Fast Growth is a Myth

July 30 – Can the Previous Decade of Stock Market Returns Predict Future Returns?

July 29 – What if You Only Bought Stocks After the Market Had a Down Year?

July 28 – Sunday is for Sharing: Volume 110

July 26 – 10 Thoughts on Work & Life After One Month of Quitting My Job

July 25 – Articles That Have Had a Profound Impact on My Life

July 24 – How to Increase Your Income Indefinitely

July 22 – Introducing Simple SEO for Bloggers

July 21 – Sunday is for Sharing: Volume 109

July 19 – The Nerdy Math I Used to Decide Where I Should Live

July 18 – Why Amber Quit Her Corporate Job to Start a Franchise Business

July 17 – Productize Your Knowledge to Earn Passive Income

July 16 – Building Profitable Websites to Speed Up the Journey to Financial Independence

July 15 – The Longer I’m Away From Corporate Life, the More Ridiculous a 9-5 Schedule Seems.

July 15 – The 30 Best Items to Flip for Profit

July 14 – Sunday is for Sharing: Volume 108

July 12 – Compound Interest Sucks Early On. Here’s How to Get Around That Problem.

July 11 – I Miss the Old Rockstar Finance Site…So I’m Building My Own

July 10 – The Permanent Portfolio: An Investment Allocation that Offers a Smooth Ride

July 9 – VEU vs. VXUS: Which International Fund Should You Invest In?

July 8 – The Math That Explains My Decision to Quit My Job

July 7 – Sunday is for Sharing: Volume 107

July 5 – The Regret Minimization Framework: How to Make Tough Life Decisions

July 3 – How Much Money is Enough?

July 2 – I Just Quit My Job

July 1 – July 2019 Financial Update

June

June 30 – Sunday is for Sharing: Volume 106

June 27 – How These Three Side Hustles can Buy You Freedom

June 26 – An Inside Look at My Data Scientist Interview Process

June 23 – Sunday is for Sharing: Volume 105

June 22 – How to Build Wealth

June 18 – How Much Should You Spend on Groceries?

June 16 – Sunday is for Sharing: Volume 104

June 14 – Mint vs. Personal Capital: Which Money App is Best?

June 13 – How Much Should You Spend on Housing?

June 12 – VOO vs. VTI: Which Index Fund is Better?

June 11 – VTI vs. VTSAX: What’s the Difference?

June 10 – What is Coast FIRE?

June 9 – Sunday is for Sharing: Volume 103

June 6 – How I’m Buying Back My Time Before I Achieve Financial Independence

June 3 – Should You Invest Internationally?

June 2 – Sunday is for Sharing: Volume 102

June 1 – June 2019 Financial Update

May

May 30 – Visualizing the Insane Impact of Compound Interest in the Latter Half of a 20-Year Investment Journey

May 27 – Elements of Freedom: An ebook

May 26 – Sunday is for Sharing: Volume 101

May 24 – Visualizing the Impact that Active Income Has on the Journey to Financial Independence

May 22 – Here’s How Much Investment Returns Have Mattered in Each Decade Since 1930

May 19 – Sunday is for Sharing: Volume 100

May 18 – Do You Actually Have to Start Early to End Rich?

May 15 – The Occupations Expected to Grow the Most (and Least) by 2026

May 12 – Sunday is for Sharing: Volume 99

May 10 – How to Improve Your Marathon Time & Your Finances

May 8 – Happiness Comes from Striving, Not from Arriving

May 5 – Sunday is for Sharing: Volume 98

May 1 – May 2019 Financial Update

April

April 29 – Naval Ravikant on How to Get Rich (Without Getting Lucky)

April 28 – Sunday is for Sharing: Volume 97

April 24 – Why I’m No Longer Trying to Save Enough Money to Never Work Again

April 21 – Sunday is for Sharing: Volume 96

April 19 – Advice on Saving & Investing in Your 20s

April 16 – A Simple Way to Improve Investment Returns

April 14 – Sunday is for Sharing: Volume 95

April 11 – The 4% Rule Only Offers One Way to Cover Your Expenses

April 9 – Savings Goal Calculator

April 7 – Sunday is for Sharing: Volume 94

April 4 – Why Owning Assets is Better than Having Job Experience

April 1 – April 2019 Financial Update

March

March 31 – Sunday is for Sharing: Volume 93

March 29 – 10 Charts & 10 Insights

March 26 – If You Can Nail Your Housing Expenses, You Can Mess Up in a Lot of Other Areas

March 24 – Sunday is for Sharing: Volume 92

March 22 – Some Numbers to Think About

March 19 – A Career Database to Help You Explore Potential Career Paths

March 17 – Sunday is for Sharing: Volume 91

March 15 – Why I Can’t Imagine Enjoying Any Corporate Job

March 12 – Three Fascinating Stories from Redditors on Earning Income in Unique Ways

March 10 – Sunday is for Sharing: Volume 90

March 9 – Visualizing Individual & Household Incomes in Each U.S. State

March 7 – Visualizing Median Household Income in All 3,000+ U.S. Counties

March 5 – First, Show up.

March 2 – Sunday is for Sharing: Volume 89

March 1 – March 2019 Financial Update

February

February 27 – How to Think About the Role the Stock Market Plays in Your Finances

February 25 – Visualizing Occupations that Pay $50k+ that Only Require an Associates Degree

February 24 – Sunday is for Sharing: Volume 88

February 23 – Here’s How 18 Different Portfolios Have Performed Since 1970

February 21 – Examining the Role That Financial Independence Plays in Living a Good Life

February 18 – Why Poor Investment Returns Early On in Your Financial Journey Could be a Blessing in Disguise

February 17 – Sunday is for Sharing: Volume 87

February 15 – There is No Such Thing as a Perfect Job

February 13 – Visualizing the Best & Worst Investment Periods in History

February 11 – The Benefits of Practicing Gratitude

February 10 – Sunday is for Sharing: Volume 86

February 9 – Buy Things & Build Things That Pay You Monthly

February 7 – The Amount You Invest Often Matters More Than the Returns You Earn

February 4 – Money & Life Advice I Wish I Had Received at Age 18

February 3 – Sunday is for Sharing: Volume 85

February 2 – February 2019 Financial Update

January

January 31 – Why Living Like a Student Has a Massive Impact on Your Long-term Wealth

January 29 – Learning to Want the Right Things

January 27 – Sunday is for Sharing: Volume 84

January 26 – The Importance of Sleep on Your Health, Wealth, and Happiness

January 24 – The Math That Explains Why Lifestyle Inflation is a Wealth Killer

January 22 – How Much Can You Reasonably Expect to Save in 10 Years?

January 20 – Sunday is for Sharing: Volume 83

January 19 – The Benefits of EAI: Enjoyable Active Income

January 17 – The Coolest Things I Learned in 2018

January 14 – Rich Habits: Ask For What You Want

January 12 – Sunday is for Sharing: Volume 82

January 11 – A Simple Chart to Visualize Your Income & Expenses

January 9 – Here’s How the Stock Market Has Historically Performed After a Down Year

January 7 – Retirement is a Human Invention

January 6 – Sunday is for Sharing: Volume 81

January 5 – The Financial Importance of Knowing Thyself

January 3 – The Harder a Skill is to Learn, the More Income You Can Earn

January 1 – January 2019 Financial Update

2018

December

December 30 – Sunday is for Sharing: Volume 80

December 28 – My 2018 Annual Review

December 26 – Overcoming the Trough of Sorrow

December 24 – Will the S&P 500 Ever Be This Low Again?

December 22 – Sunday is for Sharing: Volume 79

December 19 – Visualizing the Counties with the Highest Median Household Incomes in Each State

December 17 – I Tracked How I Used the Rooms in My Apartment for Two Days. Here Are My Results.

December 16 – Sunday is for Sharing: Volume 78

December 14 – How to Become a Data Scientist

December 12 – The Adjustable Early Retirement Grid

December 10 – Do You Need a High Income to Achieve Financial Independence?

December 9 – Sunday is for Sharing: Volume 77

December 8 – The Personal Finance Correlation Matrix

December 7 – The Things That Bring Me Joy Only Need to Make Sense to Me, Not You

December 6 – Childcare is More Expensive Than College in 28 U.S. States

December 4 – A Fun Analysis: How Much Do White House Employees Make?

December 3 – Using Data to Debunk Common Misconceptions People Have About Money

December 2 – Sunday is for Sharing: Volume 76

December 1 – Net Worth Update #26 – December 2018

November

November 30 – November 2018 Income & Expenses

November 29 – 13 Ways to Increase Your Odds of Landing an Interview (According to Data)

November 27 – Comparing Data Scientist Salaries and Cost of Living in Different U.S. Cities

November 26 – Is U.S. Middle Class Income Actually Stagnating?

November 25 – Sunday is for Sharing: Volume 75

November 24 – How to Create Your Own Investment Returns

November 23 – Should You Move to a New City to Increase Your Income?

November 21 – Visualizing Stock Market Returns in 23 Different Countries

November 20 – Not Wanting Something Is as Good as Having It

November 19 – Visualizing Median Home Prices in 100 U.S. Cities

November 18 – Sunday is for Sharing: Volume 74

November 17 – Visualizing the Income of Americans by Age

November 15 – Lessons Learned from “Big Country” Bryant Reeves on Money, Happiness, and Work

November 14 – Here’s How the S&P 500 Has Performed Since 1928

November 13 – Individual Income Percentiles in the U.S. Visualized as 100 Tiny Blocks

November 12 – S&P 500 vs. Nasdaq 100: Which Index is Better?

November 11 – Sunday is for Sharing: Volume 73

November 9 – Starting a Disc Golf Company: An Interview with Cody from Fly to FI

November 8 – Buying Gym Clothing is Easy. Lifting Weights is Hard.

November 7 – Earning Hundreds per Month Selling Graphic Designs: An Interview with Dave from Accidental FIRE

November 6 – Here’s How Much You Must Earn Over Your Lifetime to Become Financially Independent

November 5 – Becoming a Full-Time Freelance Writer: An Interview with Kenzi from Kenzi Writes

November 4 – Sunday is for Sharing: Volume 72

November 2 – Visualizing Annual S&P 500 Sector Returns Since 2005

November 1 – Net Worth Update #25 – November 2018

October

October 31 – October 2018 Income & Expenses

October 30 – Is Net Worth the Wrong Metric to Track?

October 28 – Sunday is for Sharing: Volume 71

October 27 – Visualizing the Returns of U.S. Stocks, International Stocks, and U.S. Bonds Since 1987: Part 1

October 25 – Visualizing Asset Class Returns Since the Year 2000

October 23 – 20 New Places in 20 Days (And Why Your City Might Be Cooler Than You Think)

October 21 – Sunday is for Sharing: Volume 70

October 20 – Here’s How Different Stock/Bond Allocations Have Performed Since 1926

October 18 – The Success Formula

October 15 – On Overcoming Procrastination, Writer’s Block, and Impostor Syndrome

October 14 – Sunday is for Sharing: Volume 69

October 13 – How to Think About Market Drops

October 9 – Life & Money Advice for a 21-year-old Reader

October 8 – The Relationship Between Compound Interest and Time

October 7 – Sunday is for Sharing: Volume 68

October 6 – For Most Americans, the Best Way to Spend Less is to Minimize the “Big Three” Expenses

October 4 – My Four Biggest Takeaways from FinCon 2018

October 2 – Net Worth Update #24 – October 2018

October 1 – September 2018 Income & Expenses

September

September 30 – Sunday is for Sharing: Volume 67

September 29 – “I Make $130k Per Year But I Hate My Job. Help!”

September 25 – Eight Life and Money Lessons I Have Learned so Far in My 20s

September 24 – Visualizing Population Size vs. Household Income in All 3,000+ U.S. Counties

September 23 – Sunday is for Sharing: Volume 66

September 22 – Why I Don’t Set Goals

September 20 – Money Cushions vs. Money Machines

September 18 – How I Got Into Data Science

September 17 – The Math & Psychology Behind Lump Sum vs. Dollar-Cost Average Investing

September 16 – Sunday is for Sharing: Volume 65

September 15 – Should You Invest When the Stock Market is at an All-time High?

September 13 – The Power of Aggregating Tiny Gains

September 11 – How I Think About Spending Money: “Steady” vs. “Wobbly” Expenses

September 10 – Visualizing Annual Income by Level of Education in all 3,000 + U.S. Counties

September 8 – Visualizing One-Bedroom and Two-Bedroom Rent Prices in All 3,000+ U.S. Counties

September 7 – Most Individual Stocks Underperform Index Funds

September 6 – Market Returns = Out of Your Control. Your Savings Rate = In Your Control.

September 5 – Visualizing Median Rent as a Percentage of Income in All 3,000+ U.S. Counties

September 4 – The S&P 500 Investment Return Calculator

September 3 – Welcome to My (Second-Ever) Apartment

September 2 – Relentlessly Prune Bullshit

September 2 – Sunday is for Sharing: Volume 63

September 1 – Net Worth Update #23 – September 2018

August

August 31 – August 2018 Income & Expenses

August 30 – The Math that Explains Why Increasing Your Investment Amount Each Year Can Have a Massive Impact on Your Net Worth

August 28 – Counties in the U.S. with Surprisingly High Household Incomes

August 26 – Sunday is for Sharing: Volume 62

August 25 – The Excel Template Pack: How to Build Any Visual You Want With Excel

August 24 – Success is a Sprint. Here’s Why.

August 23 – Here’s Why I Take a Freezing Cold Shower Every Morning

August 22 – This is How Influence Works: 6 Secrets from Research

August 21 – Visualizing $200k+ Income Households in All 3,000+ U.S. Counties

August 19 – Sunday is for Sharing: Volume 61

August 18 – Visualizing the Impact of Contributions vs. Investment Returns

August 16 – My Firsthand Experience Learning a Programming Language for My Day Job

August 14 – Here’s How Much You Needed to Invest Since 2000 to Have Become a Millionaire By Now

August 13 – On Using My Interests to Pursue Income, Mastery, and Enjoyment

August 12 – Sunday is for Sharing: Volume 60

August 11 – Visualizing the Median Household Income in Over 25,000 Cities Across the U.S.

August 9 – Visualizing Median Household Incomes in All 50 States

August 8 – This Calculator Tells You How Long You Need to Save Before You Can Retire

August 7 – The Cobra Effect and the Paradox of Saving Money vs. Accruing Happiness

August 6 – The Myth of “Naturally Gifted”

August 5 – Sunday is for Sharing: Volume 59

August 4 – Answers to Your Questions: How Did I Save $100k in 2 Years?

August 2 – How I Saved $100,000 By Age 24

August 1 – Net Worth Update #22 – August 2018 (FLYING PAST $100k)

July

July 31 – July 2018 Income & Expenses

July 30 – Visualizing the Market Caps of the Largest vs. the Smallest Stocks in the S&P 500

July 29 – Sunday is for Sharing: Volume 58

July 28 – Visualizing Starting and Mid-Career Salaries by Undergraduate Major

July 27 – Saving Your First $300k Takes Roughly the Same Amount of Time as Saving the Next $700k

July 26 – The Trinity Study Updated for 2018

July 24 – How Many Years Does It Take for Investment Returns to Matter More Than Savings?

July 23 – Oscillate Until You Resonate

July 22 – The One Book I Revisit the Most

July 22 – Sunday is for Sharing: Volume 57

July 21 – Visualizing Median House Value in All 3,000+ U.S. Counties

July 19 – How Much Are You Paying to Work?

July 17 – Here’s How Savings & Investment Returns Impact the Quest to Save $1 Million

July 15 – Sunday is for Sharing: Volume 56

July 13 – The Bogleheads’ Guide to the Three-Fund Portfolio

July 12 – Put Your Ass Where Your Heart Wants to Be

July 10 – Some Thoughts on Growing Net Worth in the Early Years

July 9 – The Stock Market Only Tells You How Much It Will Pay You if You Sell Today

July 8 – Sunday is for Sharing: Volume 55

July 7 – A Recap of My Life Over the Past 12 Months as Told Through My Nightly Journal (Volume 2)

July 6 – 500 Blog Posts Later: What I Wish I Knew When I First Started

July 5 – Why Investment Returns Combined With an Increasing Income Make You an Unstoppable Force

July 3 – Here’s How Close I Am to Earning Enough Income Outside of My Day Job to Cover 100% of My Monthly Expenses

July 2 – 15 Quotes from Personal Finance Books That Have Had a Profound Impact on My Life

July 1 – Net Worth Update #21 – July 2018

July 1 – Sunday is for Sharing: Volume 54

June

June 30 – June 2018 Income & Expenses

June 29 – The Best Way to Learn About Personal Finance (Hint: It’s not by Reading a Textbook)

June 28 – Reader Case Study: Approaching 40 and Hoping to Retire by 55

June 27 – Pursue Wealth, Not Status

June 26 – On Setting Lifetime Goals

June 25 – Why Saving Your First $100k is a Big Deal

June 24 – Sunday is for Sharing: Volume 53

June 23 – Introducing My First Financial App – Visualizing Monthly Spending

June 21 – Here’s How Long the Stock Market has Historically Taken to Recover from Drops

June 19 – A Simple Way to Visualize My Monthly Spending by Category

June 18 – A Thought Experiment: Comparing 4% vs. 8% Investment Returns Over a 20-Year Period

June 17 – Sunday is for Sharing: Volume 52

June 16 – Compound Interest is a Powerful Force…if You Supply it With Enough Capital

June 15 – The Mind-Bending Science of Why Financial Freedom Could Help You Slow Down Time

June 14 – Kai Greene on Using Discomfort as a Guide

June 12 – Some Big Ideas

June 11 – The Philosophy of the Personal Finance Community is Shifting

June 10 – 4 Life-Changing Ideas from Stoicism

June 10 – Sunday is for Sharing: Volume 51

June 9 – Insights on Writing, Habits, Happiness & More

June 7 – When Luxuries Become Expectations

June 5 – Understanding the Curvy Nature of Compound Interest

June 4 – Rich Man in the Car Paradox

June 3 – Sunday is for Sharing: Volume 50

June 2 – On Using Money to Grow Life’s Plants

June 1 – Net Worth Update #20 – June 2018

May

May 31 – May 2018 Income & Expenses

May 30 – Why I’m Not Quitting My Day Job When My Net Worth Hits $100k

May 29 – How to Write Every Day

May 28 – Some Neat Stats on Employment & Age for Occupations in the U.S.

May 27 – Sunday is for Sharing: Volume 49

May 26 – View the Years Leading up to Your Financial Goal as an Opportunity to Develop Self-Awareness

May 24 – The Savings Rate Grid

May 23 – A Few Thoughts on Growth & Eating Dirt

May 22 – The Meat & Potatoes of Happiness

May 20 – Sunday is for Sharing: Volume 48

May 19 – Should You Follow Your Passion or Follow the Money in Your 20s?

May 18 – Visualizing Educational Attainment & Median Income in All 3,000+ U.S. Counties

May 17 – The Importance of Maintaining Your Lifestyle While Growing Your Income

May 16 – Jocko Willink on the Power of “Good”

May 15 – Paying for All of My Living Expenses With Blogging, Tutoring, and Dividends

May 14 – Visualizing How Households in Different Income Brackets Live Around the World

May 13 – Sunday is for Sharing: Volume 47

May 12 – My Current Dilemma: To Move or Not To Move

May 10 – Brad Stevens on Letting Results Take Care of Themselves

May 9 – Compound Interest is Not Intuitive

May 7 – Sometimes the Best Upgrade Is a Downgrade

May 6 – Sunday is for Sharing: Volume 46

May 5 – Visualizing U.S. Occupational Employment By Gender

May 4 – Build Something. It’s the Fastest Way to Acquire New Skills

May 3 – A Dollar That Experiences an Investment Loss is Still Worth More Than a Dollar Spent

May 2 – Visualizing the Best & Worst Cities in the U.S. for Saving Money

May 1 – Visualizing The Percentage of Individuals Who Have a Bachelor’s Degree or Higher in All 3,000+ U.S. Counties

May 1 – Net Worth Update #19 – May 2018

April

April 30 – April 2018 Income & Expenses

April 29 – Sunday is for Sharing: Volume 45

April 28 – The Perks of Living in a Place Much Smaller Than I Can Afford

April 27 – Blogger Dividend Report – March 2018

April 26 – On Putting Forth Effort Even When You Don’t See Results

April 25 – The Money Game

April 24 – Visualizing $100k+ Income Households in All 3,000+ U.S. Counties

April 23 – Visualizing Home-Ownership Rates in All 3,000+ U.S. Counties

April 23 – Visualizing Average Commute Times in All 3,000+ U.S. Counties

April 22 – Sunday is for Sharing: Volume 44

April 21 – Money Buys Freedom, But Freedom Doesn’t Guarantee Happiness

April 20 – Some Thoughts on Approaching a Net Worth of $100k

April 19 – Visualizing Median Monthly Rent For All 3,000+ U.S. Counties

April 18 – Six Realizations That Have Added Value to my Life

April 17 – Investing is About Absolute Numbers, Not Percentages

April 16 – The 10 Best Ways to Inflate Your Lifestyle

April 15 – Sunday is for Sharing: Volume 43

April 14 – The Tiny Guide to Better Charts in Excel

April 13 – How to Nudge That Person You Care About to Be Better With Money

April 12 – For the Love of the Craft: How One Lawyer Turned Writing Into a Side-Hustle

April 11 – The Transformative Principle of “Go Around”

April 10 – The Financial Independence Grid

April 9 – How Long Does It Take to Grow a Successful Blog?

April 8 – Sunday is for Sharing: Volume 42

April 7 – Visualizing Household Income Distribution By State

April 5 – Lifestyle Choices Matter More Than Investment Returns

April 4 – Lessons from the HQ Trivia App on Making Better Financial Decisions

April 3 – Being Willing to Pivot is a Superpower

April 2 – Can Historical Stock Market Returns Predict Future Returns?

April 1 – Net Worth Update #18 – April 2018

April 1 – Sunday is for Sharing: Volume 41

March

March 31 – March 2018 Income & Expenses

March 30 – Seven Realizations That Have Improved My Life

March 29 – Blogger Dividend Report – February 2018

March 29 – Susan Cain on the Power of Time Away From Work

March 27 – Why You Should Build a Portfolio of Side Projects

March 26 – Everything Becomes Normal Over Time

March 25 – Sunday is for Sharing: Volume 40

March 24 – Visualizing Median Rent Prices by State

March 23 – Can A High Savings Rate Offset Poor Investment Returns?

March 22 – Visualizing Median Household Income By State

March 21 – Does Dining Out Actually Hurt Your Finances That Much?

March 20 – The Active Income Grid & The Ticket to a Shorter Cubicle Life

March 19 – Visualizing Average Student Loan Debt by State

March 18 – Sunday is for Sharing: Volume 39

March 17 – Saving $100k – $300k: Some Numbers & Charts

March 16 – The Power of Stories

March 14 – Some Numbers to Think About

March 13 – My Reaction to Mr. Money Mustache’s Thoughts on Money & Confidence

March 12 – Sticky Success

March 11 – Sunday is for Sharing: Volume 38

March 10 – A Recap of Warren Buffett’s 10 Year Bet on the S&P 500

March 9 – The Status Game

March 8 – FOUR Visuals: Volume 10 (Comparing Saving & Investment Scenarios)

March 7 – How to Use Probabilities to Make Better Investment Decisions

March 6 – Find What Works for You and Ignore the Rest

March 5 – The Importance of Savings Vs. Investment Returns if You Want to Go from $0 to Retirement in 15 Years

March 4 – Sunday is for Sharing: Volume 37

March 3 – Here’s How Important Investment Returns Have Been Historically

March 2 – FOUR Visuals: Volume 9 (Millionaire Age Calculator)

March 2 – Buy Less Stuff. Buy More Assets.

March 1 – Net Worth Update #17 – March 2018

February

February 28 – February 2018 Income & Expenses

February 27 – It’s All About Perspective

February 26 – Using Self-Awareness to Create a Better Work Situation

February 25 – Visualizing the Cost of Living in 540 Cities Around the World

February 25 – Sunday is for Sharing: Volume 36

February 24 – A Simple Guide to Sequence of Return Risk

February 23 – Visualizing Annual Expenses With Tiny Blocks

February 22 – Blogger Dividend Report – January 2018

February 20 – The Beauty of Long-term Vision

February 19 – Visualizing the Dividend Income of 100+ Financial Bloggers

February 18 – Sunday is for Sharing: Volume 35

February 17 – Here’s How Long it Takes to Reach Different $100k Net Worth Milestones

February 16 – You’re Screwed if You Don’t Understand Personal Finance

February 15 – The Allure of Ramen Profitablility

February 14 – Here’s How Much Investment Returns Matter Based on Net Worth

February 13 – More Wealth & Better Health: Why You Should Change Default Settings

February 12 – How Active Income in Retirement Impacts When You Can Retire: Part 3

February 11 – Sunday is for Sharing: Volume 34

February 10 – How Active Income in Retirement Impacts When You Can Retire: Part 2

February 9 – Active Income in Retirement Calculator

February 7 – How Active Income in Retirement Impacts When You Can Retire: Part 1

February 6 – Here’s How Far Back a Massive Market Crash in 2018 Would Take Us

February 4 – Sunday is for Sharing: Volume 33

February 3 – Here’s How Income During Retirement Blows the 4% Rule Out of the Water

February 2 – Lessons from Eddie Hall and Using Money as a Means to an End

February 1 – Net Worth Update #16 – February 2018

January

January 31 – January 2018 Income & Expenses

January 30 – Visualizing Millionaires by Country

January 29 – A Guide to the Four Pillar Framework

January 28 – Sunday is for Sharing: Volume 32

January 27 – Here’s How “Less Than 25 Times Expenses” Portfolios Have Performed Over the Last 89 Years

January 26 – Two Interactive Tools to Compare Savings and Investment Returns

January 25 – Visualizing Average Salary & Employment by Occupation in the U.S.

January 25 – FOUR Visuals: Volume 8 (Finding Equivalent Savings Plans)

January 24 – Lessons on Mindset, Habits, and Grit from Jack LaLanne

January 23 – Here’s How Savings Have Historically Grown Without Additional Contributions

January 21 – Here’s How the “25 Times Expenses” Portfolio Has Performed Over the Past 89 Years

January 21 – Sunday is for Sharing: Volume 31

January 19 – Understanding Power Law Distributions and Their Impact on Your Financial Life

January 18 – Visualizing Income By Age Group in the U.S.

January 17 – The Magic of Consistently Increasing How Much You Invest Each Year

January 16 – I Want Your 2018 Stock Picks

January 16 – The Difference Between Quitting My Day Job With $75k vs. $175k in Savings

January 15 – Here’s How Long it Has Historically Taken to Save $1 Million

January 14 – Sunday is for Sharing: Volume 30

January 13 – Bicycle World, Internal Happiness Metrics, and Keeping up with Jone Jones

January 12 – Visualizing the Average Salary of Professions in the U.S.

January 12 – The Math That Explains Why Net Worth Goes Crazy After the First $100k

January 11 – My Financial Map: A Detailed Description of How I Manage My Money

January 10 – Great News: You Don’t Have to Be a Digital Nomad to Find Bliss

January 9 – A Letter From My 34-Year-Old Self

January 8 – Visualizing Every Dollar I Spent in 2017

January 8 – Patient People Are Outliers and Their Advantage is Insane

January 7 – Sunday is for Sharing: Volume 29

January 6 – Visualizing Future S&P 500 Returns

January 5 – FOUR Visuals: Volume 7 (Visualizing Future S&P 500 Returns)

January 4 – If You Have a Long Investing Horizon, You Should Hope for Market Drops

January 3 – The One Book that has Influenced Me the Most

January 2 – Visualizing Stock Ownership in the U.S. Before and After the Financial Crisis

January 2 – How to Increase Your Income: Deep Habits and Wide Randomness

January 1 – Net Worth Update #15 – January 2018

2017

December

December 31 – December 2017 Income & Expenses

December 31 – Sunday is for Sharing: Volume 28

December 30 – 7 Lessons From 7 Mentors That Have Changed My Life

December 28 – My Favorite Insights from the World Happiness Report

December 27 – Visualizing Warren Buffett’s Favorite Stock Market Index

December 27 – Jiro Dreams of Sushi & the Unique Task of Finding Meaning in Life

December 26 – Forget New Year’s Resolutions. Use this Approach to Actually Get Sh*t Done.

December 24 – Sunday is for Sharing: Volume 27

December 23 – A Recap of my 2017 Income Stream Growth

December 22 – Reader Question: Should I Keep my Stressful High-Income Job to Reach F.I. as Fast as Possible?

December 21 – Should You Pursue F.I. if You Don’t Have a Passion Outside of Your Day Job?

December 20 – A Recap of My 24 Year Net Worth Journey

December 18 – 5 Valuable Lessons I Learned Through Blogging in 2017

December 18 – Visualizing Monthly Savings With Tiny Circles

December 17 – Sunday is for Sharing: Volume 26

December 16 – Applying Scott Adam’s Success Formula to Personal Finance

December 15 – Here’s How the S&P 500 Performed in 2017

December 14 – Stop Sitting Around and Go Get What You Want.

December 13 – Minimizing Food Expenses: My Favorite $2 Meal

December 12 – Visualizing the Net Worth of Americans by Age

December 12 – Is it Better to Have a High Net Worth or High Monthly Cash Flow?

December 11 – Quitting my Day Job: Being Ambitious vs. Being Realistic

December 10 – Sunday is for Sharing: Volume 25

December 9 – I am 9 Months Away from Making some Serious Financial Decisions

December 8 – Why I Just Invested in Bitcoin and Ethereum

December 7 – A Gap Year in Bolivia: An Interview with Jojo Bobo

December 6 – Why (and How) I Only Spend 30 Minutes Each Month Tracking My Finances

December 5 – If Your Net Worth is Less Than $100k, a Stock Market Crash Shouldn’t Scare You

December 3 – Sunday is for Sharing: Volume 24

December 2 – How Building A Website Helped Me Land My First Corporate Job

December 1 – Net Worth Update #14 – December 2017

November

November 30 – November 2017 Income & Expenses

November 29 – Each of My Four Financial Accounts Serves a Distinct Purpose

November 28 – Working One Day a Week Can Be Worth $100,000

November 27 – Choose Your Treadmill Wisely

November 26 – My Thoughts on Mark Cuban’s “Guide to Getting Rich”

November 26 – Sunday is for Sharing: Volume 23

November 25 – What Narrative Are You Telling Yourself?

November 24 – Here’s How I Track My Dividends

November 23 – The Secret Behind Rapid Growth: Successes Remain While Failures Fade

November 20 – The Over-Under Fallacies of Personal Finance

November 19 – Sunday is for Sharing: Volume 22

November 18 – Daily, Weekly, and Monthly Savings Grids

November 17 – Some Thoughts On Money, Recognition, Contribution, and Predicting the Future

November 16 – The Math Behind Saving Your First $100k

November 14 – How to be in a Better Place Five Years from Now: Stop Looking Around and Start Looking Ahead

November 13 – Things You Need to Focus On to Get the Best Possible Car Lease Deal

November 13 – One Simple Truth That Helps Me Overcome Fear of What Others Think of My Frugal Lifestyle

November 12 – Sunday is for Sharing: Volume 21

November 11 – 20-Somethings: Stop Worrying About Finding Your Dream Job. Instead, Do These Two Things

November 9 – The Purple-Blue-Red Philosophy of Spending Money

November 8 – The One Thing That Derails Most People From Reaching Their Potential

November 7 – I Want to Visualize YOUR Finances

November 6 – Using the Nature of Human Adaptation to Hack Personal Finance

November 5 – Sunday is for Sharing: Volume 20

November 3 – How to Save $60,000 by Age 23

November 2 – FOUR Visuals: Volume 6 (Random Portfolio Generator)

November 1 – Net Worth Update #13 – November 2017

October

October 31 – October 2017 Income & Expenses

October 30 – The One Skill Every 20-something Must Develop to Get What they Want in Life

October 29 – Sunday is for Sharing: Volume 19

October 28 – The Danger of Doing Easy Work vs. The Magic of Doing Important Work

October 26 – Should You Quit Your Job to Pursue Your Passion?

October 25 – Charlie Munger: The First $100,000 is a B*tch

October 24 – Use Money as Fuel to Power Your True Aspirations in Life

October 23 – The Dramatic Impact 401(k) Contributions Can Have on Your Savings Rate

October 22 – Sunday is for Sharing: Volume 18

October 21 – Five Valuable Life Lessons I Have Learned in my Early 20’s

October 20 – Thanks, But No Thanks for the Financial Advice, Tom

October 18 – An Inside Look at my Morning Routine & the Life-Changing Magic of Discipline

October 17 – 200 Blog Posts Later: Some Tips I Have for Aspiring Bloggers

October 16 – Visualizing Every Stock in the S&P 500 as Tiny Circles

October 15 – Sunday is for Sharing: Volume 17

October 14 – Here’s How Success Actually Works

October 13 – Visualizing Every Rockstar Finance Blogger’s Net Worth

October 12 – Create Your Own Financial Time Scale

October 9 – Mastering the Art of Side Hustles: An Interview with Financial Panther

October 8 – Sunday is for Sharing: Volume 16

October 7 – It Pays to Live Like a College Student

October 5 – A Helpful Tool to Compare Savings vs. Investment Returns

October 4 – FOUR Visuals: Volume 5 (Comparing Savings vs. Investment Returns)

October 3 – The story of a PhD who decided to become a landlord to retire by 33

October 2 – Net Worth Update #12 – October 2017

October 1 – Sunday is for Sharing: Volume 15

September

September 30 – September 2017 Income & Expenses

September 29 – Here’s the One Fund I’m Investing All My 401(k) Contributions in

September 28 – 9 Lessons I Have Learned in 2017 That Have Added Value to my Life

September 27 – The Art of Schedule Shifting: How I Find Time to Blog

September 26 – To Keep Housing Costs Low, Recognize There’s Nobody to Impress

September 24 – Sunday is for Sharing: Volume 14

September 22 – The 401(k) Savings Grid

September 21 – Kill Complaining. Develop Strength.

September 19 – The Power of Duality: Combining a High-Income Job with Minimalism

September 17 – Sunday is for Sharing: Volume 13

September 15 – Align Your Spending With Your Unique Nature

September 14 – You’re Not as Important as You Think and that’s Wonderful News for your Finances

September 12 – Why You Don’t Have Money for the Important Things in Life and How to Get It

September 11 – FOUR Visuals: Volume 4 (Comparing Net Worth By Age)

September 10 – Sunday is for Sharing: Volume 12

September 8 – Visualizing Every Dollar I’ve Spent in 2017 So Far

September 6 – A Guide to the “Quit Your Day Job” Calculator

September 5 – FOUR Visuals: Volume 3 (“Quit Your Day Job” Calculator)

September 4 – 7 Lessons Learned from Saving my First $50,000

September 3 – Sunday is for Sharing: Volume 11

September 1 – Net Worth Update #11 – September 2017

August

August 30 – Exploring the Many Paths of “Retirement”

August 29 – Here’s How the Average American Household Spends Their Money

August 27 – Sunday is for Sharing: Volume 10

August 26 – FOUR Visuals: Volume 2 (The Tiny Blocks of Financial Independence)

August 23 – The Joy-Driven Guide to Spending

August 22 – Welcome to My (First Ever) Apartment

August 21 – Here’s How Many Years it Took to Reach F.I. Historically Based on Various Savings Rates

August 20 – Sunday is for Sharing: Volume 9

August 18 – FOUR Visuals: Volume 1 (Financial Independence Calculator)

August 17 – Mixing Active and Passive Income for Maximum Happiness

August 16 – Visualizing Financial Independence With Tiny Blocks: Part 2

August 14 – Visualizing Net Worth By Age Group in the U.S.

August 13 – Sunday is for Sharing: Volume 8

August 11 – The Million Dollar Age Grid

August 10 – Here’s How Much Investing Returns Matter Based On Your Portfolio Size

August 6 – Sunday is for Sharing: Volume 7

August 4 – Visualizing Financial Independence With Tiny Blocks

August 3 – 30 Financial Bloggers Share Tweet-Sized Advice They Would Give To Their 23-Year-Old Selves

August 1 – Net Worth Update #10 – August 2017

July

July 30 – Sunday is for Sharing: Volume 6

July 29 – A Recap of my Life Over the Past 12 Months as Told Through my Nightly Journal

July 26 – Flow Chart: Should I Spend Money On This?

July 24 – The Million Dollar Grid

July 23 – Sunday is for Sharing: Volume 5

July 20 – The Monthly Savings Grid

July 18 – How to Make $80,000 a Year at Age 23

July 17 – Here’s What a $1,000 Investment Has Returned Every Year Since 1950

July 16 – Sunday is for Sharing: Volume 5

July 14 – Nature: The Perfect Recipe for Increased Happiness & Increased Savings

July 13 – 7 Beliefs I Hold That Guide My Financial Life

July 11 – The Minimum Savings Rate Needed to Reach F.I. Over the Last 30 Years

July 9 – Sunday is for Sharing: Volume 4

July 8 – I Want to be an Income Machine, Not an Investment Guru

July 4 – The Story of the Mexican Fisherman

July 2 – Sunday is for Sharing: Volume 3

July 1 – Net Worth Update #9 – July 2017

June

June 25 – Sunday is for Sharing: Volume 2

June 20 – Flow Chart: Should You Start a Side Hustle?

June 19 – The Problem With the Phrase “It’s Just Money”

June 18 – Sunday is for Sharing: Volume 1

June 14 – A Remix of a 2,000 Year Old Message on Time, Money, and Purpose

June 13 – Here’s What a $100 Investment Has Returned Every Month Over the Last 10 Years

June 7 – Your Day Job Doesn’t Have to Be Your Passion

June 6 – Systems are the Solution to Most of Your Money Problems

June 5 – Want to Retire Early? Focus on Your Savings Rate, Not Investment Returns

June 1 – Net Worth Update #8 – June 2017

May

May 30 – The Financial Flexibility Grid

May 18 – Keep Climbing, Crab

May 6 – Do the Uncomfortable Work

May 3 – How I Graduated College with a Net Worth of $30,000

May 1 – Net Worth Update #7 – May 2017

April

April 14 – Why It’s So Hard To Outperform Index Funds

April 10 – 7 Reasons Experiences Are Better Than Possessions

April 7 – Will Raising Everyone’s Income Make Everyone Happier?

April 1 – Net Worth Update #6 – April 2017

March

March 30 – Crushing Financial Independence With Macro Patience and Micro Speed

March 25 – Why Your 20s is the Best Time to Build Wealth

March 21 – Learn to Want Less

March 3 – Net Worth Update #5 – March 2017

February

February 26 – Embracing Territorial Living

February 16 – How I Made Over $1,000 in Online Side Hustles Over the Past 30 Days

February 14 – The Disconnect Between Purpose & Finance

February 6 – Net Worth Update #4 – February 2017

January

January 18 – Net Worth Update #3 – January 2017

January 9 – Where Were You At 23?

2016

December

December 27 – Turning A Side Hustle Into A Full Time Income: An Interview With La Papillion

December 12 – Retired at 33: An Interview with Thrifty Gal

December 8 – Buy Whatever You Want

December 4 – Net Worth Update #2 – December 2016

November

November 20 – The Four Pillar Philosophy

November 16 – You Are the Only Person Tracking Your Failures

November 8 – Net Worth Update #1 – November 2016

November 5 – The Early Retirement Grid