Financial Independence

Coast FIRE: Front-load Your Retirement

The FIRE community comes up with ways to figure out how to live your best life while having enough money to retire. FIRE stands for Financial Independence Retire Early. The concept of coast fire is attractive to many people.  First, it gives us the ability to...

Money Can't Buy Happiness. Here are 6 Things Money CAN Buy

“Money can’t buy happiness.” It is that cliche saying that many people tell you. Why work so hard for money if it can’t buy you happiness? Truthfully, money alone cannot give you a sense of emotion. It can buy you stuff that can give you instant gratification, but...

It Takes Two to FIRE- The Frugal Expat

Welcome to It Takes Two to FIRE. This interview series has been developed in collaboration with my friend Steve Cummings from The Frugal Expat. We are excited to bring you a series in which we explore real-life stories on how couples work together to reach or have...
VTSAX vs FZROX, who is the best?

VTSAX vs FZROX, who is the best?

VTSAX is one of my favorite funds. It is simple, easy, and it has low expenses. This index fund tracks the Total Stock Market, and it is efficient. As everyone knows, new products come out all the time. Fidelity released a couple of Zero Funds. One in particular is...

How Credit Cards can be a big tool

How Credit Cards can be a big tool

Someone recently posted a comment on my blog asking, “Do you think it is a need to have a credit card even if I am not borrowing money?” That question helps me to reflect on things people have told me about credit cards, what I have learned about credit cards, and the...

Why Do the Rich Keep Getting Richer?

Why Do the Rich Keep Getting Richer?

Rich people think differently. They have a different mindset. A mindset for gaining assets instead of liabilities. They work hard on their goals that they set and continue to achieve them. Living paycheck to paycheck is not something they do. So why do rich people...

The First $100K is a B*tch

The First $100K is a B*tch

"The first $100K is a b*tch, but you got to do it". Charlie Munger said this at a Berkshire Hathaway meeting. It truly is hard to get your first $100k. It takes saving, investing, and staying out of debt. Plus it is all about consistency. It took my wife and I being...

Debt Avalanche Helping to Destroy your Debt

Debt Avalanche Helping to Destroy your Debt

Have you heard about the debt avalanche method for getting rid of debt? You may have heard of the debt snowball method. Dave Ramsey is a big proponent of the debt snowball method. Many other people support him as well. I on the other disagree and believe the Debt...

How to Improve your Credit

How to Improve your Credit

Credit is a big thing in the United States. It is how you open up credit cards. Your mortgage rates are based on your credit score. Plus having a good credit score can help you save money through interest rates that banks give you to buy things. It is time to improve...

FIRE'd Up, The FIRE Movement

FIRE'd Up, The FIRE Movement

One of the biggest movements in the world is the FIRE movement. FIRE is Financially Independent Retire Early. Calmncents.home.blog likes to call FIRE the Financially Independent Retire Eventually. Either way, they are quite similar. The FIRE MovementWhat is the FIRE...

7 Financial Books that will Change Your Life

7 Financial Books that will Change Your Life

Here are 7 financial books that will change your life. These books are full of personal successes, failures, and tips on how to improve your financial life. I have sat down and read every book, and they have helped me change mine. It is time for them to help you...

The Simple Path to Wealth

The Simple Path to Wealth

I owe a lot of my financial thinking to one book. That book is “The Simple Path to Wealth” by JL. Collins. His book has inspired many to go out and work on achieving financial independence. This book breaks down the keys to creating wealth, simple attitudes to adopt,...

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