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12 Things That Changed My Life (and Cost Less Than $50)

Most of the time, when people post memes and images on Facebook, they’re pretty dull and forgettable. Every once in a while, though, I’ll see

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Appreciation Versus Depreciation: A Powerful Insight for Your Spending Choices

No matter how careful we are about spending and saving our money, the truth is that all of us spend some significant portion of our

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The Power of Cutting a Goal in Half

One of the big problems with setting a big, life-altering goal for yourself is the sheer size of it. Often, the distance between yourself and

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Does Money Truly Bring Independence and Security?

It’s been no secret that over the past few years Sarah and I have adopted a goal of financial independence. Our goal is to reach

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A Letter to Anyone Who Wants More Than They Have Right Now

Dear friend, Several years ago, I was incredibly dissatisfied with my life. I was in a great deal of debt. I lived in a tiny

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Our Nine Biggest Missteps on the Road to Financial Independence – and How We Are Fixing Them

Over the past 10 years, my wife and I have paid off literally hundreds of thousands of dollars in debt on salaries that, except for one

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The $15 Retirement Plan

Some days – in fact, many days – I spend $15 in a way that isn’t the smartest. I’ll go out to eat for lunch,

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25 Free Things to Do to Make Today Feel Awesome

Here’s a key truth I’ve come to realize about my spending habits. When I’m unhappy with myself or my life, I am much, much more

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What Packing for an Amazing Weekend Can Teach You About Your Financial Life

Imagine, if you will, that it’s Friday morning. (This shouldn’t be too much of a stretch for some of you, considering that this post is

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Five Big Reasons Why It’s So Hard to Make Financial Progress – and Strategies for Overcoming Each One

While I love writing and talking about all of the benefits of financial independence and financial progress, I’ll be the first to admit that the

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Why Emulating the Affluent Is a Terrible Way to Make Spending Choices

I’m going to boil this down for you into a simple question. Would you rather appear wealthy or be wealthy? The reality is that, for

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20 Key Strategies for Finding Incremental Savings in Your Life

One of my favorite personal finance tactics is to find “incremental savings” in my life and do what it takes to implement them. So what

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How to Use Free Resources to Educate Yourself on Nearly Any Subject

We live in an age where there are more educational resources available to the average person than there ever have been before. For the lifetime

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How Establishing a More Joyful Daily Routine Can Save You Money and Make Life Better

The happier I feel about my everyday life, the less inclined I am to spend money on anything beyond the necessities. I stay well within

ripples in pond

Circulation: A Simple Case for Charity

Yesterday, I published an article entitled What Spending a $10,000 Windfall Can Teach You About Your Everyday Finances in which I briefly spoke about the

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What Spending a $10,000 Windfall Can Teach You About Your Everyday Finances

Recently, I had the pleasure of reading the excellent personal finance book All the Money in the World: What the Happiest People Know About Wealth

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What We Really Value – and What We Don’t

When I look out in the driveway at my car, what I honestly see is nothing more than something that will reliably get me from

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10 Pieces of Financial Advice for Newly Married Couples

A few weeks ago, I was attending a wedding where I’ve known the groom for about 20¬†years. I wasn’t one of the groomsmen and didn’t

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