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Finance

Be a Disciplined Investor: Avoid the Behavior Gap

A diversified portfolio isn’t enough: learn to be a disciplined investor to avoid the behavior gap. Behavioral finance teaches us about investment biases.

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Finance

Marginal Utility of Income and How to Build Wealth in Your 20s

In my 20s I wrote about different standard of living levels and diminishing returns as my salary increased. Could understanding the marginal utility of income help you build wealth?

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Finance

Children’s Education Charities and Our August 2020 Budget

We review children’s education charities for our October donation, report our August budget, and award a charitable grant to a university!

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Finance

VTSAX vs VTI: Buy the Total US Stock Market & Alternatives

We’ve been collecting tiny slices of thousands of companies over the years. Let’s compare frugal ways you can too with low-cost index funds: VTSAX vs VTI, SWSTX, FSKAX.

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Finance

How to Retire Early With Real Estate Reader Case Study

Could real estate investing be the route for Mike’s family to reach financial independence with their $1.5M net worth goal?

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Finance

Net Worth Revealed! Our July 2020 Income & Expenses.

Our dividends tumbled but an Accountable Plan rescued our savings rate! We’ve revealed our net worth details for a little financial voyeurism.

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Finance

How to Become a Millionaire in 10 Years: Debt to $1.2M at 33

Our thirteen-year saga from student loan debt, to graduate school, shifting careers, and starting two businesses. At the lowest point, we went from a negative $107K net worth to $1.2M in nine years. This is how we became millionaires and reached financial independence.

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Finance

Credits & Dividends Yield 78% Savings Rate for June 2020

Our second monthly balance sheet update: with dividends added our savings rate ballooned. See the details for a little financial voyeurism!

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Finance

How to Use Apps & Websites to Sell Your Stuff Locally for Free

We’ve taken on a mentality of “renting” our stuff: it’s always for sale, for the right price. Here are the apps, websites, and tools to sell locally for free.

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Finance

Index Funds vs Individual Stock Investing: My Costly Mistake

Why pick stocks or index funds (ETFs and mutual funds)? The destruction of half my net worth in my 20s during the Great Recession offers up some lessons.