Congratulations! You’re Broke

Congratulations you're Broke

Well, maybe things aren’t so bad. As of July 4th, 2016 my retirement accounts matched the remaining balance on my student loans. Neither of those numbers is particularly impressive but it allows me to claim a net worth of $0. Net worth is a snapshot in time, it does not define you or even give you a good idea of where you are going. Instead, we need to look at savings rate and the trend over time

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The Ultimate Costco Meal Plan | Part 1

You need to think about food budgeting America has a food obsession. We have grocery stores at every major intersection, restaurants on every corner and fast food chains to fill the gaps in between. I have talked to many of my neighbors and those conversations mirror the statistics I read online. Most of middle-class America’s disposable income goes to food. Grocery and the food budget can range anywhere from $500 … Read more

The Reluctant Frugalist

Frugal

Frugal Living is the Fastest Way to Financial Independence

So I’m not naturally frugal. I don’t crave minimalism or get express enjoyment from having less. If I could drive a massive 2016 Silverado without payments I would probably go for it. But, I am a practical frugalist. I realize that the dollars and cents add up, and a dollar saved now is a dollar I can put to work for me down the road. Frugalism is a means to an end for me. The end goal is Financial Independence. I want to work because I want to, not because I need to.

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