How We Cut Our Phone Bill in Half


One way that the Mr and I have saved money on our path to financial independence is by changing our phone plan. Side note: this is based on US phone company plans.  Who here has a phone? My guess is most of you just raised your hand. Ok, maybe not literally, but you get what I am saying.  According to a recent…

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That Time We Spent Too Much On a Football Game


Remember when the Baltimore Ravens beat the San Fransisco 49ers in Super Bowl XLVII or when Beyonce was the halftime act or when the power went out and the game was delayed? We were totally there!! We delightfully watched a great game, right up until the end when my Niners fell to Mr. Wow’s Ravens (still pains me to say that) (It…

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Why I Use Wealthfront


I’ve been meaning to write this article for a while, and with the recent revelation that Betterment is upping their cash management rates from .15%  for the highest value accounts to .25% across the board, I guess it’s time.  Even the grand pooba himself has taken to writing about this change.  For me (us), I’ve been using Wealthfront for a while…

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Balance – Living vs FIREing


Today, I wanted to talk a little about balance.  I was reading my favorite sub-reddit and an interesting discussion popped up.  Basically, asking the crowd, how do you balance living your life and your fire plans.  And actually, I just read another post about this very thing,  Tonya at Budget & the Beach was talking about deciding to book a…

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Accuracy vs Precision 


Being a data guy, I constantly get asked questions about how precise something is or how accurate it is.  Most people tend to use these words interchangeably as if they are synonyms.  When in actuality they mean two very different and distinct things.  Yes, they both pertain to measurements and data and a variety of other things, but there is…

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Is a Mega Back Door Roth Worth It?


With the turn of the year, everyone has all these resolutions and goals that they are trying to accomplish.  Some want to save more, some want to lose weight, some want to travel more, you get the idea.  The Mrs and I have our goals for the year and we’ve set some pretty ambitious savings goals, but one thing that…

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What’s a computer’s favorite food? Spam cookies, yummy!


2017 is off and running.  People are feverishly trying to stick to their resolutions and goals that they set just weeks ago.  And realistically, I bet some people have already fallen off the resolution wagon by now.  As for me, I have a laundry list of goals for the year and even came up with some for the next 5-10 years…

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Lines and Bars


Given the title of this post, I’m sure you thinking we’re going to be discussing how to get into the hottest night club in town.  How to avoid all the lines and cover charges and how to keep your tab under a reasonable number for an evening of boozing with you and all your friends.  Well… sorry to disappoint you.…

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All I Want for Christmas is a Com-post-er, a Com-post-er!


With the new year upon us, I would like to take a minute to review a few of my favorites from last year. I’m talking about gifts.  For me, 2016 brought a new appreciation for life.  I started to look at things differently.  I began searching for used items when in need of something or looking to rent/borrow when at…

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The first step is hardest


In my many years on this planet I’ve learned a couple things.  Some are more obvious, some are more personal.  Some are really technical, some are more simple and matter of fact.  But, when it comes to making things happen, there’s one thing that I’ve learned and it’s the first step is the hardest.  I know, I know cliched as…

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