What I'm reading to learn more about financial independence

What I'm reading to learn more about financial independence

I haven’t published anything in quite some time because we’ve been relishing in our new found freedom! Being married to a PhD student, at least in this particular program, is quite the test in year 3 of the program. Last year my husband spent all year reading a mountain of books in preparation for his comprehensive exams. No vacations. No weekend trips. He worked evenings and Saturdays in addition to his regular work days while I picked up more of the childcare and cooking to help him succeed. (By the way, he passed!) You aren’t here for a lesson on marriage, but I’m going to share one anyways. While we aspire to an egalitarian marriage, there are some seasons in which one of you will be doing more of the domestic “stuff” and that’s okay. Not saying it was easy - it wasn’t - but I was fortunate that my job was less intensive this past year than in previous years when he did more childcare and cooking. 

We are taking more weekend trips and planning vacations now that...

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How to become a millionaire on just a few dollars a day

How to become a millionaire on just a few dollars a day

When you think about your twenties and money, what comes to mind?

Student loans. Entry level jobs. Frequent travel. Eating out. Drinks with friends.

Many of my coaching clients are young, in their 20s or early 30s. And many of them have almost no money invested for the future. Now, you might be thinking that they (you) can’t afford to invest because...

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How to get started with YNAB (+ free get started guide)

How to get started with YNAB (+ free get started guide)

n December, I mentioned that I was trying out YNAB (You Need a Budget), an alternative to Mint. I've been a Mint user for about 7 years and it served its purpose well for a time. But that changed in recent years once we weren't so pressed to achieve immediate financial goals, such as when we paid off our house in less than 2 years.

Well.... I've made the leap. YNAB is proving to give much greater insight into the current state of our spending affairs. You can read more about what I've learned by switching to YNAB over on their blog. For now, the best budget software...

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Retirement is out. Financial independence is in. (+ free printable)

Retirement is out. Financial independence is in. (+ free printable)

Peter Diamandis on retirement… and some other stuff

A few months ago, I had an opportunity to hear Peter Diamandis speak at a conference. If you aren’t familiar with him, he has an absurdly long and impressive list of accomplishments, including being the CEO of the X Prize, a multi-million dollar award for teams who generate a real solution to a real problem faced by the world at large. He is, by training, an engineer and medical doctor, and also a serial entrepreneur. The focus of his presentation was...

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Breaking bad budget habits (+ free worksheet!)

Breaking bad budget habits (+ free worksheet!)

Red. Glaring, bright red.  That's where we ended up on one of our spending categories in our budget for the end of the year.  Yes, dear reader, I'm confessing that I don't keep to my budget perfectly!  And with the start of a new year, one of my New Year's Goals is to not be in the red at the end of this year. 

My husband is a PhD student and what do PhD students need and want a lot of?

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