Tag Archive: Strategy

Feb 16

The Difference Between Frugal and Cheap

  Cheap or Frugal? Many people confuse being frugal with being cheap. I certainly did for much of my life. They are not the same, and understanding the difference matters. I wish I knew the difference earlier in life, as I could have more efficiently optimized my happiness . I want to give you some …

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Feb 10

Why it is Sometimes Faster to Slow Down

Hurry Up and Wait Yesterday I was driving. It was a two lane road, a typical fairly high speed state highway just out of town. I heard it first, a low rumbling sound like I imagine a bear makes before ripping a hiker to shreds for trying to get a selfie with its cubs. It …

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Dec 30

Dangers of Relying on the 4% Rule in Early Retirement Scenarios

  Dreaming of Retirement I recently found myself on a beach in Maui. We had some airline vouchers we needed to use before they expired and decided Hawaii would be a great way to burn them (it was). As I laid there on the warm sand and listened to the ocean waves gently breaking on …

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Sep 27

A Physicians Guide to Working Part Time

Several months ago I stumbled upon a personal finance blog geared towards physicians and financial independence, two topics that are very relevant to my life. A series of posts there detail the financial lives of four fictional doctors and how their various financial decisions result in radical differences in retirement savings and age at which …

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Aug 20

Lessons From an Apple Tree

I came home from work yesterday, and on the way to the front door I grabbed a couple of apples from my apple tree. I didn’t think much of it until later when eating the delicious fruit. It was picked at just the right time; sweet and crisp, a flawless perfection of nature. I tried …

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May 10

Decluttering 2.0 – Beyond The Basics

In a previous article I described my experiences with the Konmari method of decluttering. Eliminating unnecessary material things from your life is great, truly, but decluttering 2.0 is realizing there are many other things that are perhaps even more important to cull. The material things are easy because they are seen. Non-material clutter can be …

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Apr 19

Are New Cars Getting Cheaper?

We all know the cost of goods and services tends to rise over time, what we commonly refer to as inflation. Well as you know, I like to challenge conventional thinking and I had a buying experience that adds a bit more nuance to the discussion.   Last year I finally decided to purchase a …

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Mar 30

How to retire by 40.

  Early retirement is a hot topic these days and for good reason, it is attainable by nearly anyone who really wants it and pretty freaking awesome. There are thousands of gurus/blogs/coworkers who claim to have the definitive opinion on this topic but I’m here to give you the lazy man’s simple approach, specifically designed …

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Feb 23

Decluttering: Philosopher Ninja Style

  This last summer I was introduced to an odd little book by Marie Kondo titled The Life-Changing Magic of Tidying Up: The Japanese Art of Decluttering and Organizing. A friend of mine read this book and was in the process of decluttering – and by decluttering I don’t mean sorting through the junk drawer …

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Jan 08

Why Your Life Never Seems To Change

Why your life never seems to change: A few months ago I was talking to a life coach I recently met about how he got started in the coaching business. He told me how he completely changed his career and life and I was a little blown away by it all. My life seemed so …

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