Financial Independence

What is Barista FIRE? Retire Sooner

Reaching retirement can be a huge dream for many people in the world. Being able to do it early is an even better dream since most people work most of their lives, and they hope they could reach early retirement. One thing we could do is bridge the gap with Barista...

A Roadmap to Wealth

People always talk about how building wealth is hard. Personally, I think it is a mindset shift. We see rich people with big time jobs making lots of money. In our heads, we think it is hard to accomplish these things. I hate to break it to you, it is not as hard as...

Those Money Haters are Gonna Hate

Recently, I created a Facebook post that brought on a ton of heat. It was so much heat that friends reached out to me to say how this was crazy, uncalled for heat, and everything I said was not what other people made it out to be. What I learned was money haters are...
Delaying Gratification for the win.

Delaying Gratification for the win.

“Patience is a virtue” my father would always say to me. If you think about it, patience truly is a virtue. Oftentimes, we want things now. That is not the way the world works. Those that want instant gratification often end up on the wrong side of the stick. It is...

VTSAX vs FZROX, who is the best?

VTSAX vs FZROX, who is the best?

VTSAX is one of my favorite funds. It is simple, easy, and it has low expenses. This index fund tracks the Total Stock Market, and it is efficient. As everyone knows, new products come out all the time. Fidelity released a couple of Zero Funds. One in particular is...

How Credit Cards can be a big tool

How Credit Cards can be a big tool

Someone recently posted a comment on my blog asking, “Do you think it is a need to have a credit card even if I am not borrowing money?” That question helps me to reflect on things people have told me about credit cards, what I have learned about credit cards, and the...

Why Do the Rich Keep Getting Richer?

Why Do the Rich Keep Getting Richer?

Rich people think differently. They have a different mindset. A mindset for gaining assets instead of liabilities. They work hard on their goals that they set and continue to achieve them. Living paycheck to paycheck is not something they do. So why do rich people...

The First $100K is a B*tch

The First $100K is a B*tch

"The first $100K is a b*tch, but you got to do it". Charlie Munger said this at a Berkshire Hathaway meeting. It truly is hard to get your first $100k. It takes saving, investing, and staying out of debt. Plus it is all about consistency. It took my wife and I being...

Debt Avalanche Helping to Destroy your Debt

Debt Avalanche Helping to Destroy your Debt

Have you heard about the debt avalanche method for getting rid of debt? You may have heard of the debt snowball method. Dave Ramsey is a big proponent of the debt snowball method. Many other people support him as well. I on the other disagree and believe the Debt...

How to Improve your Credit

How to Improve your Credit

Credit is a big thing in the United States. It is how you open up credit cards. Your mortgage rates are based on your credit score. Plus having a good credit score can help you save money through interest rates that banks give you to buy things. It is time to improve...

FIRE'd Up, The FIRE Movement

FIRE'd Up, The FIRE Movement

One of the biggest movements in the world is the FIRE movement. FIRE is Financially Independent Retire Early. Calmncents.home.blog likes to call FIRE the Financially Independent Retire Eventually. Either way, they are quite similar. The FIRE MovementWhat is the FIRE...

7 Financial Books that will Change Your Life

7 Financial Books that will Change Your Life

Here are 7 financial books that will change your life. These books are full of personal successes, failures, and tips on how to improve your financial life. I have sat down and read every book, and they have helped me change mine. It is time for them to help you...

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