It’s late summer 1996 and I’m playing pool with some college buddies that are also home for the summer break. We’re all about 21 years old, and very comfortable in our upper-middle-class lifestyle fueled...
It’s late May here in Freedomville and that means the kids are out of school. Beginning about a week or so ago our three consumption functions started bringing home a year’s worth of crap...
Most of the retail investing world has now finally received the message that index investing is both easy and good for you—one of the few things I’ve found in this life that can lay...
For almost a year now I have been doing the grocery shopping for our family of five. I like routines so I generally go every Monday morning, usually around 10 am or so—you know,...
In case you haven’t noticed, I’m fascinated by the psychology that drives money behaviors and financial outcomes. As a reformed tax attorney with formal accounting and finance education, I appreciate the fact that knowledge in...
Almost exactly ten years ago we were in the process of finding and buying our current house in the suburbs. At the time we were living in our first single-family home that we had bought...
If you spend enough time around working stiffs–at least those with kids–sooner or later you are bound to hear the lament: “I’ll never be able to retire … until my kids are through college.”...
Here in Freedomville we’re emerging from the snowstorm-of-the-century-of-the-week that wasn’t. Weather forecasts in the mid-part of last week predicted 2-4 inches of snow accumulation last Friday night into Saturday morning, and for us that...
A few months ago I was having lunch with a good friend (let’s call him Jake). During our conversation he described his current state of mind regarding his job at a corporate organization: he...
In our hyper-consumption culture today there are a lot of people looking for excuses as to why they are NOT financially independent. These excuses allow the majority of our society that is financially dependent on...
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