Your wallet and your life,
bursting at the seams.
Tools and articles to help you balance living in the present and saving for the future.
Take your wealth planning to the next level with my Wealth Planning Toolkit for Google Sheets - just $20.
Plan for recurring monthly income over different time periods as well as windfalls and one-time purchases in the future.
Includes 10 year Net Worth Tracker with Dashboard, Asset Rebalancing Calculator, and advanced FIRE and Coast FIRE Calculators.
How to use I-Bonds for your emergency fund with the I-Bond ladder strategy
Here's how to implement an I-Bond ladder strategy for your emergency fund which allows you to keep your emergency fund accessible while also earning the high interest I-Bonds provide
Monthly Newsletter: October 2022
Free Wealth Planning Toolkit for limited time, getting long term bullish, The Crypto Story, and some doodles on wealth
Monthly Newsletter: September 2022
Hiring freezes, navigating the downturn, the iPhone index, and more
Monthly Newsletter: August 2022
Lessons learned rising suddenly to the middle class, the salary you need to buy a home in US cities, how to get more time, and more
Monthly Newsletter: July 2022
In defense of dollar cost averaging, the auto loan bubble, US housing affordability, and more
Monthly Newsletter: June 2022
Wealth vs getting wealthier, where should you park your money right now, what is quantitative easing, and more
Monthly Newsletter: May 2022
Terra LUNA crypto implosion, declining personal savings rate, making money doing almost anything, and more
Monthly Newsletter: April 2022
Keeping up with inflation, average net worth of millennials by age, the mortgage payment grid, and more
Monthly Newsletter: March 2022
Just say no to Central Bank Digital Currencies, the superpower of having low expectations, What does the BIS, IMF, & World Bank even do, and more
Monthly Newsletter - February 2022
Two opposing perspectives on the US housing market, should you max out your 401k, travel is no cure for the mind, and more
Should you max out your 401k? Here’s why I'm not maxing out my 401k
How I ran the numbers to determine that I shouldn't max out my 401k going forward
How to make your early retirement plan inflation-proof
Tips on positioning both your investments and your expenses like housing, healthcare, and education to maintain your standard of living in a future with high inflation
Monthly Newsletter - January 2022
Should you max out your 401k earlier in the year, the high cost of an easy job, the psychology of speculative assets, and more
The Psychology of Money by Morgan Housel - book review, summary, and quotes
My review of the The Psychology of Money by Morgan Housel including summary, notes, and my favorite quotes.
2021 year in review
My reflection on 2021 including the good, the bad, and my goals for 2022
Monthly Newsletter - December 2021
The many worlds of enough, the no shampoo method, how airlines quietly became banks, my 2021 year in review, and more
Monthly Newsletter - November 2021
An economic history of how this all happened, does QE cause wealth inequality?, the salary you need to buy a house in the 50 largest US metros, and more
Monthly Newsletter - October 2021
The Ladders of Wealth Creation, What if People Don't Want a Career?, Price Changes Since 1998 Prove the Economy is Rigged, and more
Monthly Newsletter - September 2021
WTF Happened in 1971, The housing theory of everything, Ditching your commute: worth ~$40K/year in happiness, and more
Being frugal vs cheap - what's the difference?
Both approaches are focused on saving money, but the similarities end there.
Monthly Newsletter - August 2021
Choosing what to do with your life, the most effective wealth-building strategy for young investors, the Cantillon Effect, and Shrinkflation
The Safe Withdrawal Rate (SWR) Passive Income Grid
Visualize the incredible value of passive income and how various Safe Withdrawal Rates impact your required investments to reach FIRE
Monthly Newsletter - July 2021
The Great Online Game, The Highest Forms of Wealth, How Does a Raise Early in Your Career Affect Your Finances, and more
10 Best Jobs for Coasting to FIRE
Flexible hours, low stress, fun, and travel friendly. I picked out 10 of the best jobs that allow you to make the most of your life after reaching your Coast FIRE milestone.
Monthly Newsletter - June 2021
The Almanack of Naval Ravikant, Getting the Goalposts to Stop Moving, $5 billion Roth IRA, setting up your children for financial success, and more
How I spend $30k per year in the SF bay area with a 65%+ savings rate
A breakdown of my current income and expenses while enjoying life in a VHCOL location
What is Barista FIRE? The complete guide to unlocking early financial freedom
How Barista FIRE uses the power of side income after retirement to help you exit the rat race much sooner
How I graduated college with no student loans and over $40k of savings (in 10 steps)
10 steps I took to lay the foundation for a lifetime of financial freedom
2020 year in review
My reflection on 2020 including the good, the bad, my learnings from the past year, and my goals for 2021
How I bought a new M1 MacBook Air for under $700 (before tax)
Here's how I stacked discounts to buy Apple's M1 MacBook Air for under $700
Mint Mobile Review: my 4 years on America's best value prepaid plan
How I've saved nearly $2,000 since switching to Mint in 2016
How NOT having the newest iPhone would have earned you $9,000+ over the last 10 years
What would happen if you only upgraded your iPhone every three years and bought Apple stock in the years between?
5 Financial mistakes I've made and what you can learn from them
Here are 5 finance-related mistakes I've made on my journey and the takeaways you can learn from each of them
Do Things That Positively Compound
Compounding growth as a heuristic for focusing your time and energy
The Coast FIRE Grid: how much do you need to save up to coast to retirement?
Determine at-a-glance your Coast FIRE number based on your age and expected spending
What is Coast FIRE: The Complete Guide to Coasting to Financial Independence
Leverage the power of compound growth to unlock freedom early in life, before hitting your normal FI number.
My Story
My journey on the path to financial independence