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Archives for January 2017

The Only Five Money Books You’ll Ever Need

January 30, 2017 By ESI 43 Comments

This post may contain affiliate links. Please read my disclosure statement for more info. A couple months ago a friend on Facebook asked what books people recommended on various money topics. Without batting an eye or even pausing a moment to reflect I immediately responded: For retirement, How Much Money Do I Need to Retire? by Todd R. Tresidder can't be beat. … [Read more...]

Filed Under: Books

My 2016 Peer-to-Peer Lending Results and Next Moves

January 27, 2017 By ESI 23 Comments

This post is an update on my peer-to-peer (P2P) lending results through 2016. I use P2P investing as part of my retirement income strategy. For background on how we got to this point, see My Entry into Peer-to-Peer Lending and An Update on My Peer-to-Peer Lending Investments. In addition to results I'll cover my thoughts on the two platforms I use as well as give some … [Read more...]

Filed Under: Invest

2016 Credit Card Rewards Review: Over $1,500 in Cash Back

January 25, 2017 By ESI 19 Comments

This post summarizes of my credit card rewards for 2016. In case you can't tell from the headline, it's good news. :) As a review, I've made over $12k in the past decade using cash back credit cards. It's not a fortune but it's extra money I wouldn't have had otherwise -- and who doesn't like extra money? I usually try to pay for as much as I can with a credit card … [Read more...]

Filed Under: About, Earn

2017 Financial Resolutions

January 23, 2017 By ESI 18 Comments

As promised last week when I reviewed my 2016 money resolutions, today I'll be sharing my 2017 financial resolutions. I'll track these throughout the year and likely give you an update sometime in July. For now, let's get to what I want to accomplish financially in 2017. Here's the list as of today: Get daughter established in college. This includes EVERYTHING -- … [Read more...]

Filed Under: About

2016 Net Worth and Retirement Budget Update

January 20, 2017 By ESI 11 Comments

Here's an update on how our net worth performed in 2016. For background on my net worth status and results, see 2015 Net Worth Review and The First Million is the Hardest. In addition to the net worth update, I'll detail how our retirement budget has performed so far (five months into retirement) so you will be all caught up. :) 2016 Net Worth Summary Here are my net … [Read more...]

Filed Under: Cash Flow, Net Worth, Retirement

Working the ESI Scale to Financial Independence

January 18, 2017 By ESI 171 Comments

As you know, this site is about three easy steps toward financial independence (FI): earning, saving, and investing. In case you want more specifics see What Does ESI Money Mean? and The Essentials of Building Wealth. Separately I've been thinking about the various ways to reach financial independence. In How to Become Financially Independent I mentioned a whole host of … [Read more...]

Filed Under: About, ESI Scale, Financial Independence

2016 Financial Resolutions Results

January 16, 2017 By ESI 7 Comments

At the beginning of last year I posted my 2016 financial resolutions. Today I'll review how I did. Next week I'll share my 2017 money resolutions. Before we begin, let's quickly list what the 2106 resolutions included. They were: Meet net worth goal Review/manage investments Earn extra money Complete death file Update will/estate plan Review credit … [Read more...]

Filed Under: About

Millionaire Interview 4

January 13, 2017 By ESI 39 Comments

Here's our latest interview with a millionaire as we seek to learn from those who have grown their wealth to high heights. If you'd like to be considered for an interview, drop me a note and we can chat about specifics. My questions are in bold italics and their responses follow in black. Let's get started... How old are you (and spouse if applicable, plus how long … [Read more...]

Filed Under: Interviews, Millionaires, Net Worth

My Savings Rate and Other Insights into My Financials

January 11, 2017 By ESI 27 Comments

In my post titled How to Become Financially Independent a reader made the following comment: I’d love to see a yearly breakout [of your savings rate] sometime to see how it changed over the years. I’m guessing you were at a higher savings rate at the end in your largest earning years and as you had the mortgage paid off. I thought this sounded like an interesting proposition, … [Read more...]

Filed Under: About, Save

Health and Wealth

January 9, 2017 By ESI 10 Comments

I've posted several times about the relationship between being healthy and being wealthy. We've discussed the financial benefits of overall good health, being the right weight, not smoking, and lowering stress/sleeping well. I've also shared my physical fitness results since starting with a trainer just over a year ago. So as many people are making health-related … [Read more...]

Filed Under: Health

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