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Is Financial Independence Possible for Everyone?

I like to talk about financial independence on Google-X quite regularly. It is the big financial goal on my horizon, a state in

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Using a Journal To Solve Financial and Personal Problems

Jill writes in with a really great question: How exactly do you use journaling to solve your financial problems? Don’t get how writing in a

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Six Fresh Ways to Think About Retirement Savings

Most of the ways in which people talk about retirement these days follows along a few narrow lines. Put away 10% of your salary into

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A Daily Commitment to Excellence

When I woke up this morning, I sat up in bed and told myself, “I’m not going to spend any money today at all. I’m

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How to Be More Likable – and How That’s Financially Valuable

One of the parents of another player on my oldest child’s soccer team is one of those people that lots of people seem to like.

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Frugal? Cheap? Financially Independent? Minimalist? What’s the Difference?

During a recent interview I did for an article at CBS MoneyWatch, the reporter took the conversation in an interesting and unexpected direction. She wanted

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The Painful Truth About Your Emergency Fund

Let me make this clear: I am a frugal person. I save vegetable scraps to make broth, and soap scraps to turn into lumpy new

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The Magic Math of Paying Yourself First

When my husband and I first started building a life together in our 20s, we treated our money the way too many young couples do: We

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Your Budget Is No Place for Wishful Thinking

Budgets are often presented as being some kind of magical tool that people can use that will transform their day-to-day life from an ongoing slow-motion

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Celebrating Life Events Frugally and Meaningfully

I recently celebrated my birthday with my family and a few friends. It was a decidedly low key affair. We went out to dinner together

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Personal Cash Flow and You

Let’s start out with defining exactly what “cash flow” means. It’s a business term that refers to the amount of money coming into and going


Buying Things Versus Buying Experiences: A Deeper Look

One of the core ideas that I like to share regarding personal finance success revolves around the idea that it’s better to spend your money

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Bearing the Burden Today

Over the last month, I’ve had the great opportunity to spend a lot of time with many relatives and friends older than myself. Some are

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How to Assess Your Financial State Without Frustration or Jealousy

My family has had the wonderful opportunity to visit a lot of remote relatives and friends over the past month or so. We’ve visited their

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Some Thoughts on Tony Robbins

Over the last few years, several people have asked me questions about the financial advice being given out by the well-known motivational speaker and entrepreneur

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Nine Skills Worth Teaching Your Children to Build Personal and Financial Independence

Two days ago, I posted an article entitled Nine Skills Worth Learning for Any Career – and How to Learn Them. The goal of the

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Why You Shouldn’t Use a Roth IRA as an Emergency Fund

Nadine writes in: Does it make sense to use a Roth IRA as an emergency fund? It seems like I could contribute money to it,

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Nine Skills Worth Learning for Any Career – and How to Learn Them

I recently had the pleasure of reading Scott Adams’ book How to Fail at Almost Everything and Still Win Big. At one point in the