How to Calculate Savings Rate

Your savings rate is, in my opinion, the most important metric that you can can track/control/improve on during your journey to FI.  There’s a lot of talk within the community about the best way to calculate this. I’m here to set the record straight!  This is the definitive, inarguable, most…

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The Best Time to Plant a Tree

Everyone knows the old saying “the best time to plant a tree is 20 years ago, but the second best time is now.”  This same principle applies to investing. I’ve heard too many people say that it’s too late for them to start pursuing FI, or how bummed they are…

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The Simple Path to Wealth Summary

To quote The Office’s great Kevin Malone, “why waste time say lot word when few word do trick?”.  Jim Collins, in his book The Simple Path to Wealth, lays out a very simple and straightforward method to accumulating enough money to live off (with a very high probability) indefinitely.  The…

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My Triathlon Origins

 Imagine an impressionable teenage boy casually channel surfing one Saturday morning. Looking for something to watch, he stumbles upon a bike race where hundreds of athletes were flying across the screen.  That was me!  I later came to find out this wasn’t a bike race, but a triathlon - specifically…

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The Importance of Strong Habits

 I have always been a creature of habit.  As a kid, my mom would pack the same exact lunch for me everyday, always asking if I wanted a sandwich other than PB&J, but I never did.  Growing up, my parents created many positive habits in my life like sleeping early,…

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My Path Part 3: Spreadsheet Day!

After learning lots of little tips here and there on /r/personalfinance, and now that I had my investing setup to be automated and simple, I wanted to know what the next step was.  On the first of the month, on a daily q/a thread on /r/financialindependence, lots of people were…

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