I want to travel, buy a home one day... so I want to save my money. But I know I should pay off my debt too. What's the best way to do both?Read More
The average 20 or 30 something keeps only the money they make between the hours of 4-5pm each workday. That's f—ing crazy.Read More
Money can be easy if you know where to start. Here's a step-by-step guide for how to start doing good with your money.Read More
Saving money isn't about giving up what you love — it's about going after it.Read More
Whether you've known it or not, we've secretly been chatting about an ancient philosophy since The Hidden Green's first article.
It was followed by Marcus Aurelius, Seneca, Epictetus, and many other badass Greek and Roman leaders and scholars.
And now, unknowingly, it's being followed by you.
This ancient philosophy is called...Read More
The last time we talked I told you I was going to take a leap of faith and try out something new. Well a lot has happened since then. I'm going to take these next few posts to get you back up to speed.
This post is about the biggest change that has come about. I quit my job! Here's how it went down.Read More
If you were going to die tomorrow you should spend your money however the hell you want. You want a one way ticket to the Las Vegas Billagio for an bat shit crazy night out with the boys? Hell yes, you go do it.
Shit, I'd say if you were going to die in one month you should spend your money however you want. Though as we get to the one month time frame I imagine we start to think a bit more about our life.Read More
"I love sitting in traffic!" Said, No. One. Ever.
But the actions of our masses show us something CRAZILY different every morning. Yep, this "I love sitting in traffic" is what a massive amount of people act out twice a day, five days a week, for decades. Yes. Decades!Read More
We were heading to one of those inaugural grown up events, a bachelor party. Along the ride my good friend said something that stopped my mind in its tracks. He said,
"It's like look, whether you like it or not you're in the game. If you're lucky you get 18 years while someone moves you're pieces for you. But after that point, whether you like it or not, you're in the game."
I've been spinning my wheels on his words ever since. Here's what I've come up with:Read More
I've been on the financial independence fix since I started my job in June of 2013, 2 years and 10 months ago. Let's get a mile-high view of how those years went, from my first day of "real" work till now, and see what it tells me moving forward.Read More
Ever know a friend who was in a horrible relationship? You knew it, they knew it, but when you spoke about it together she said, "I can't leave. It's been too long. I'm just too far in."
Wake up and dump that scumbag! Sunk Cost Fallacy bomb. BOOM!Read More
Make $1,000,000/yr, and live with a lifestyle cost of $950,000/yr? A 5% savings ratio. You will have to work 66 years till your investments will support your lifestyle.
Make $40,000/yr with a lifestyle cost of $15,000/yr? A 65% savings ratio. You only have 10 years of work ahead of you till you're financially free.Read More
Chasing a number for the sake of reaching that number is the wrong way to achieve financial independence.
The problem with that path is that you are living a means to an end. You are losing sight of improving your present self and situations. What happens when you hit the number is you only find that it didn't actually make you any happier -- it is just a number.
The way I see now to view the journey to financial freedom is through a lens of "winning in increments."Read More
If money didn't exist, what would you go do tomorrow? What would you do next week, next month...
"Tomorrow I am surfing, all day. A week from now I am hiking the Santa Barbara back country. One month from now I am surfing the long point breaks of Santa Barbara and sharing time with my best friends..."
You see locking yourself into monthly car payments, committing yourself to unlimited data plans, and giving in to the consumerism showcased on every billboard, magazine, and screen you see everyday takes time away from you surfing, relaxing with family, or sailing to the islands.
So to you I ask again, Why not now?Read More
I'd love to create a life where I live by the seasons. Something like winter in mountains and summer near the ocean.
What would that look like? How possible is it? Cause shit, if I can live that way and continue on my path to financial freedom then, "See you later!" I'm out the door.
Could you image being $10,000 in debt and someone saying, "Want to have $300,000 in your bank account? Great. The only catch is you have to leave tomorrow. We will shred blue-bird powder in the winter and flow through warm water barrels in the summer for the next 12 years." I'd say Let's go!Read More
The goal of early retirement is a 10 to 20 year journey.
Most people can see the end-reward of early retirement and its utter freedom. The sound of having a passive income stream cover your lifestyle cost sounds great. Obviously. But people hit a mental block when they think of acting on a 15 year goal.
So let's find a way to make early retirement happen in a digestible time frame.Read More
From The Wizard’s preparations, he knew three things: 1. He knew when his next resupply box would come. 2. He knew the amount of food he'd eat before reaching his next resupply box. And 3. He knew the amount of food the new resupply box would provide.
The same plays for you. Well, if you want to be a freedom wizard that is...
Now you -- the freedom wizard -- are set to walk the trail of financial freedom by knowing three things:Read More
Think of a bank account as a seed. You water it and help it grow. When you want its fruit, you pick it. And you trade the fruit for other things. For now, we simply want to get the seed to grow.
To start you shop for two seeds. Whoops, I mean you shop for two bank accounts -- a savings account and a checking account.Read More
Check out the chart below... Find your savings ratio. Next to it you’ll see the years of work left until freedom, assuming you start with $0.
At this point you will be able to travel East Asia for however long you want. And when you come home there will be no deadline to find a job. Or at this point you will be able to snowboard Utah’s light pow till you drop in exhaustion on a Tuesday. And then go back out the next three days without constraint because it’s dumping.
You will be able to do this because at this point your money itself will be making enough income to cover your lifestyle cost (your spending). This is called financial freedom.Read More
I was met with these words, "Welcome to the world of the working dead." That's just not where I want to be. So I decided to learn how money worked, and this is what I've done.Read More