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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.

08.09.17
banana bread

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

08.03.17
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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

spreadsheet numbers

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

listening

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

man budgeting and tracking spending on receipts

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

tony robbins

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

07.22.17
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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,

07.20.17
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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