The Hidden Cost of Convenience

Traffic.  Long lines.  Slow internet connections.

It’s easy to get annoyed at these things.  The stress you feel on your daily commute isn’t imaginary.

The walls are down.  There’s a reason people say “work-life balance” and not “life-work balance”.  We do part of and sometimes our entire jobs from home, with work and life intertwined.  Your breakfast and your commute are the same thing.

Exercise is classified as a “leisure activity”, in the same category as watching TV.  What are leisure activities for?  For undoing the stress, fatigue, and damage done by the workday.  We have to exercise to slow … read more

Get Started Investing In One Weekend

I know that title sounds a little weird.  Maybe “Can You Learn Everything You Need to Know About Investing in One Weekend” is more accurate.

Anyways, I started thinking about this after reading a post on reddit/personalfinance.  The original topic was about how to get started with investing and somewhere in there a discussion popped up about whether or not it was possible to educate yourself on investing in as little as one weekend.

But first things first, I need to clarify what I mean by investing.  I like the following definition:

[To] expend money with the expectation of

read more

When 24-Year-Old Me Bought A Car…

At the age of 28 I’ve had 3 cars so far in my life.

The first one, at 16, was a pickup truck.  It was all manual (even the transmission) and I had to mentally calculate how much gas to put in it without filling it up, otherwise the gas tank would overflow :/

The second one was a Honda CRV and dammit I loved it.  It had simple styling, was deadly reliable, got great gas mileage and was a lot of fun to take on some light offroading.  Lots of long trips, soul searching, solitude, and deep thinking took … read more

Ask Yo Self: Why Don’t You Want To Do The Opposite?

Wants Vs. Needs.  The bread and butter of topics like budgeting, frugality, minimalism, stoicism, happiness – the list goes on.

Some people will argue that retiring on $20,000 a year sounds terrible – a life of deprivation, penny pinching, always watching account balances and more constraint than freedom.  Others will argue that in today’s society, $20,000 a year can buy you everything you need and that the ultimate want is the time and energy to do whatever you want.

And there are plenty of people in the middle:

The Spectrum of Wants

It’s easy to argue that we all need … read more

The Average Joneses

Have you ever noticed that anybody driving slower than you is an idiot, and anyone going faster than you is a maniac?

-George Carlin

Some people find comparisons invigorating.  They want to see how they measure up, who the competition is, even something to aspire to.

Comparisons with money usually circles back around to Keeping Up With The Joneses.  You know, that phenomenon that makes you want to go out and buy the 2017 Explorer because your coworker/neighbor/friend just bought a 2016, and your 2015 model is looking a little stale in comparison (they did a refresh this year!).… read more

Efficiency + Effectiveness = Success

When trying to solve a problem I think most people will try to find the most effective solution for the least amount of effort.  At a certain point any extra effort might be considered a waste.  (see the Pareto principle, also known as the 80/20 rule – which says that, generally, 80% of the effects come from 20% of the causes).  Sure, you could work a little harder and get a little bit better result, but chances are your life is filled with multiple challenges, all vying for your attention in the limited span of 24 hours.

On this here … read more


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This site is intended for entertainment purposes only and is NOT a substitute for professional financial advice. Some links on this site are affiliate links which means, at no cost to you, if you sign up or purchase something I earn a small commission. They are only things I personally use or recommend.

matt@financeyoself.com if you wanna talk!

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