Income Supplementation: How Much you Need to Make to Live the Good Life

07. April 2017
Let the records show, I vehemently support the notion that one’s savings rate is more of a factor to achieving financial independence than one’s income. However, my head isn’t buried quite far enough in the sand for me to propose that achieving financial independence is just as easy for someone making  $20,000 as it is ...

Start Saving in your Twenties or be Forever Broke

06. March 2017
Whether your annual income is $25,000 or $250,000, the only way to become truly wealthy is to save significantly more than you spend. There are folks all around you – neighbors, coworkers, family members – who are extremely high earners but even higher spenders. On the contrary, there are those easy-to-overlook/spit-at individuals (you don’t get ...

The Levels of Financial Independence

04. February 2017
It’s been a long-ass time since the topic of financial independence was discussed here, and dammit I miss it! Being an ever-present theme in my life, I’d like to temporarily refocus my writing on it. In the personal finance sphere, financial independence (FI) is defined as the point in which passive income covers 100% of ...

LSD Experiment #6: Sleep Champion

03. January 2017
Taking a cue from my recent Simplicity Series article on sleep, I’m going to determine once and for all what strategies work best in my quest to catch all the z’s. Its not without butterflies that I embark upon my longest LSD trip experiment to date. Because of the multitude of approaches and tools that ...