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Passive Income, Aggressive Retirement

May 27, 2020 By ESI 31 Comments

Every once in a while, I hit the jackpot. I've read a TON of money books -- far more than I've featured on this site -- and most are not worth much IMO. Many are just plain terrible, offering mediocre advice at best. Others suggest basic money tips we all learned in third grade. Personally, I think so many personal finance books are bad because the authors are just … [Read more...]

Filed Under: Books, Earn, Financial Independence, Retirement

Top 10 Ways to Become Wealthy While Earning a Pittance

January 18, 2020 By ESI 90 Comments

Well, it's that time again. Time to address the "it's easy to be wealthy if you make a lot of money, what about becoming wealthy if you earn little?" crowd. But this time it's going to be a bit different. You see, I think I've made a mistake. Here I've been writing about growing your career, creating a side hustle, investing in real estate, and the like so you could … [Read more...]

Filed Under: ESI Thoughts, Financial Independence

The Nine Stages of Financial Independence

January 3, 2020 By ESI 19 Comments

I've seen a few people detail what they believe to be the stages of financial independence (FI), but none of those have been exactly right for me. So I thought I'd create my own list of the various FI milestones and share when/how we hit each of them. Then you can add your thoughts until we have a master list to die for! ;) Let me say that this is a difficult task for … [Read more...]

Filed Under: Financial Independence

How to Become Financially Independent in Five Years

December 18, 2019 By ESI 25 Comments

Back in October I was part of a panel discussion on the What's Up Next? podcast. Three of us "older" bloggers joined Doc G and Paul to discuss the subject "Is it ever too late to pursue financial independence?" The episode will soon be released but if you want to hear what we had to say, you can listen to it here now. In the discussion Doc asked a GREAT question (which … [Read more...]

Filed Under: About, Financial Independence, Retirement

The Case for Giving on the Road to Financial Independence

November 23, 2019 By ESI 24 Comments

In September 2018 I sat in the audience of FinCon, the financial media conference, and watched an interview with Pete from Mr. Money Moustache. He's a very interesting character, quite down-to-earth and prone to saying things so full of common sense that you have to laugh because no one has said them before. Towards the end the audience was invited to approach a … [Read more...]

Filed Under: Financial Independence, Giving

Why the Rich are Getting Richer

November 22, 2019 By ESI 21 Comments

Shortly after I wrote How the Rich Get Richer I started reading Why the Rich Are Getting Richer by Robert Kiyosaki, author of Rich Dad Poor Dad. The author says the following about both books: If Rich Dad Poor Dad was elementary school, this book (Why the Rich Are Getting Richer) is graduate school. That sounded good to me. I'm always up for a higher-level money … [Read more...]

Filed Under: Books, Financial Independence

Living Like Old Money

October 11, 2019 By ESI 13 Comments

I'm not sure where I saw it, but someone I follow online mentioned that they were reading The Old Money Book and recommended it to others. Always on the lookout for a good money book, I went to my library's website to see if they had it. Nope. I then hopped on Amazon to check it out. I liked the fact that it had two (not just one) subtitles. They are: "How to … [Read more...]

Filed Under: Books, Financial Independence

How the Rich Get Richer

October 2, 2019 By ESI 26 Comments

You've probably heard the phrase "the rich get richer". There's (surprisingly) even a Wikipedia page on it with background and details. Here are some of the highlights: "The rich get richer and the poor get poorer" is an aphorism due to Percy Bysshe Shelley. In A Defence of Poetry (1821, not published until 1840) Shelley remarked that the promoters of utility had … [Read more...]

Filed Under: Financial Independence

The Difference 1% Makes

September 11, 2019 By ESI 23 Comments

Over the years I've received many comments from people saying how insignificant some of my tips are. They say that people need to focus their financial efforts on big-ticket items (like homes, cars, etc.) and the rest can be virtually ignored. As with most things, I think there's a balance. Of course you should pay attention to the big expenses in life. But you should … [Read more...]

Filed Under: ESI Scale, Financial Independence

The ESI (Earn, Save, and Invest) Manifesto

September 4, 2019 By ESI 8 Comments

It still happens on a regular basis -- even after three years of retirement. I meet someone new, they ask what I do for a living, I say I'm retired, and they look at me like I just stepped off a ship from Mars. I can see in their faces that their minds are trying to compute what they just heard. They are seeing a guy (who looks like he's forty -- or so I've been told) who … [Read more...]

Filed Under: ESI Thoughts, Financial Independence

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