June 29th, 2006.It was an innocuous day as the stock market was booming in the post-9/11 recovery. The economy was torrid and the unemployment rate was 4.6% in the … [Read more...]
Selling Out (Part 2 of 4 on my move to San Francisco)
In Part One of this series, I talked about my overall transition to San Francisco.In this entry, I'll talk about some of the stresses involved in moving and cleaning … [Read more...]
Geographic Arbitrage
As I mentioned in previous articles, I have moved from Texas to California. With this move came a significant increase in both salary and cost of living. This has led to … [Read more...]
Taming Your Spending Per Decade
My cowriter and I briefly discussed (verbally, not through some sort of electronic medium) how spending can be roughly modeled by looking at it from different … [Read more...]
My Retirement Asset Allocation
Over the Thanksgiving weekend, I decided to play around with Morning Star's X-Ray tool. The tool takes your entire portfolio and analyzes the asset allocation by … [Read more...]
September 2014 Goal Assessment
At the end of last year, I stated that I wanted to pay down ~$34,000 in consumer debt (outside of my mortgage). I am writing today to report on both a level of success … [Read more...]
FICO is a Corporation
Much has been written about the recent change in the FICO scoring system from both mainstream media and personal finance blogosphere.Using my compelling inside … [Read more...]
No, You’re Not Saving Too Much for Retirement
Saving too much... really, is that a possibility that people are even remotely concerned about? Or is it just a meme used to justify an expensive third decade?I love … [Read more...]
How Much Do People Save, by Income?
A few weeks back we presented one of our signature pieces of original research on what Americans saved based upon their ages. That data used fresh data from the Consumer … [Read more...]
Keeping Up with the Joneses: Risk Tolerance
The idea of lifestyle creep is the slow build-up of "necessary" expenses as your income increases. I myself have experienced a bit of it in my career, noticing small … [Read more...]
An Ideal Savings Rate Calculator for Financial Independence and Retirement Planning
We have written before on what your ideal savings rate might be. Today, we follow through on what we promised to you - a fully editable ideal savings rate calculator … [Read more...]
What’s the Ideal Savings Rate for Retirement or Financial Independence?
Today we're going to discuss the most important variable in your control when it comes to setting your Retirement or Financial Independence date: your ideal savings … [Read more...]