Twenty Five Nuggets I’m Teaching My Kids

Twenty Five Nuggets I’m Teaching My Kids

A parent is a teacher. Therefore, I compiled the following list of helpful lessons, along with some fun anecdotes from my life, and created a self-published book for my kids. Here are the nuggets, slightly condensed for your reading pleasure: Try, fail, learn. Try again, fail again, learn some more. Try again, succeed, learn even more! Persistence is the key to success in any endeavor. What is your purpose? Write your personal mission statement. Have faith in your own abilities to…

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The Most Elegant of Spreadsheets

The Most Elegant of Spreadsheets

Every self-respecting financial guru advises that you track your money. For good reason: you can’t improve what you can’t measure. Taking 5-10 minutes to track, forecast, and plan your financial life should be part of your daily routine. Before starting this daily routine, though, you must assess your broader financial condition. The very simple tool to do this is called a Statement of Financial Condition or, more commonly, the Balance Sheet. In order to operate from a position of financial…

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The Freedom Paradigm: Step Three

The Freedom Paradigm: Step Three

Now that you’ve accepted your sub-optimal situation and developed a persistent desire to free yourself from it, the real work begins. You must take habitual action to attain that freedom. Let’s assume you’re struggling with physical weakness. You haven’t been to gym in years and your back aches at the end of the day. A mile run might as well be a marathon, and walking up four flights of stairs may result in cardiac arrest, but you’re most concerned about…

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With Extreme Prejudice: My Commute is Dead

With Extreme Prejudice: My Commute is Dead

I’m taking a break from the Freedom Paradigm series for a moment to discuss a topic worthy of joyous celebration. On June 1, 2017, I stepped off the nine to five treadmill that had kept me huffing and puffing for nineteen years. Our increasing focus on achieving financial independence (by maximizing income and savings rate while decreasing expenses) over the past years gets some of the credit, but most of it goes to my wife, who accepted a position at…

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The Freedom Paradigm: Step Two

The Freedom Paradigm: Step Two

In the mid-nineteenth century Henry David Thoreau asserted that “the mass of mean lead lives of quiet desperation.” Were he alive today, his assessment would remain the same. The good news is that people today who are stuck in lives of quiet desperation have infinitely more options available to them to break out. Most of the accumulated wealth of human creation exists for free on the internet. With a minimal investment of time at your local library, you can learn…

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