Financial Independence on a Smaller Income

Anyone who has read my articles on The Simple Dollar in the past few years knows that Sarah and I have set a personal goal

walking away

It’s Not ‘Early Retirement,’ It’s ‘Walk Away Money’

Marjorie writes in: Why would you and Sarah want to retire in your 40s? You seem like a very productive person. I can’t believe you

hiking up mountain

How Much Do You Really Need to Save to Retire Early?

If there’s one financial question that really hangs over my head these days, it’s probably this one. How much money do I need to have

Five Strategies for Handling Slow Progress Toward Your Goals

When you start paying attention to your finances, the progress can feel amazing. Over the first few years of our financial turnaround, we saw our

How to Maintain Self-Motivation After Recovering from Financial Disaster

I remember those first months of our financial turnaround so clearly. It was honestly a pretty exciting time. We had this ongoing sense that our


Living an Amazing Life via the Reverse Retirement Plan

One of my cousins and her husband live a life that many people find to be a bit unusual. They have what I would describe

the frugalwoods

Here’s What Living on Half Your Income Really Looks Like

If you ask anyone who plans to retire early what their secret is, they’ll all say the same thing — it’s a high savings rate.

The Ten Bulls Revisited

Over the course of the last decade, I’ve seen my perspective on financial issues change radically many times. I started off as a person who

Nicolas Berggruen speaking

Some Lessons from the ‘Homeless Billionaire’

Over the past several years, a number of media articles have popped up that discuss Nicolas Berggruen, a person known colloquially as “the homeless billionaire.”


‘You Shouldn’t Go Through Life Worrying About Money. It’s Not Healthy.’

Not too long ago, I was having a conversation with an old friend about life, the universe, and everything. We talked about career choices, our

Photo: Phil Long/TSD Illustration

The Money Onion: Peeling Back the Layers of Personal Finance Success

One of the most interesting things I’ve found over the years of working on The Simple Dollar, charting my own financial progress and changes, and

Bill Gates

Frugality, Financial Independence, and the Bigger World

Fairly often, I give interviews to media sources – newspaper reporters, radio hosts, and so on – where I share my story of financial recovery

check engine light

20 Reasons Why You Need an Emergency Fund

If you don’t think you need an emergency fund, think again. No matter how financially prepared you are, life has a way of throwing curve

Personal Finance Focus

Choosing Your Personal Financial Focus

When I first started my professional life, my main financial focus was on my career. I tried really hard to establish a great professional foundation

black eyed susans

Financial Independence and Permaculture

As Sarah and I have continued to work toward financial independence, one of the principles we’ve really come to value is that long-lasting reliable stuff

To reach long-term financial health, start with attainable, short-term goals with an immediate payoff -- like selling anything in you closet you haven't used in a year or more. Photo: Meagan Tintari

Setting Attainable and Exciting Financial Goals

When I look back at my personal finance progress, I’m most proud of the long-term success. The changes that have happened in my life over

John Goodman and Mark Wahlberg in The Gambler

‘Freedom’ Money

I recently saw the film The Gambler, and one scene stood out at me, where John Goodman’s character describes his financial philosophy to the main

Graduation ceremony

Financial Independence and Career Choices

At dinner a few days ago, I was discussing the concept of financial independence to a friend of mine who had really never heard of

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