When is More Money Worth Your Time?

If you want to make or save more money, you’re going to need to spend your time.

Side hustles and in-depth investment strategies take time. Cutting coupons and comparison shopping take time.

Most methods for making more money or for saving more money cost you time.

When is that exchange worth it?

Continue reading “When is More Money Worth Your Time?”

Why We Need To Fail More

Much of the research that I read and write about is geared towards achieving more success.

We work on time management and productivity so that we can accomplish more. We study investing and personal finance so that we can be more successful with our money.

There is a major focus on success in our culture and not much attention paid to failure.

But maybe that’s wrong.

Maybe we should be failing more.

Continue reading “Why We Need To Fail More”

Conquering Procrastination

One question that meditation has taught me to ask is: Where is the resistance?

In meditating, there is always something that is trying to grab my attention. Often, all I need to do to get rid of it is figure out what it is, acknowledge it, and label it.

“Okay, my mind wants to focus on that upcoming meeting. That’s good to know.”

I can label it, go back to meditation, and then address that issue when I’m done with my meditation. If the meeting is weighing on me, then maybe I need to spend some more time preparing. I’ve identified the problem, and I can then take steps to ease my anxiety.

Lately, I’ve been trying to ask the same question of my productivity.

Continue reading “Conquering Procrastination”

Act Like the Person You Want to Be

This is an article that I have had kicking around in my head for quite some time.

It was originally an uplifting and positive article. The context has changed, though. The world has changed.

The idea centers on a Kurt Vonnegut quote.

“We are what we pretend to be, so we must be very careful what we pretend to be.”

This is a very powerful truth. One that I firmly believe we should harness to become better people. Continue reading “Act Like the Person You Want to Be”

Not Making a Decision is Making a Decision

It is easy to become overwhelmed with choices.

We live in a world of options, and decision fatigue is a real problem to which many people succumb.

Sometimes we just don’t have the willpower at the end of a long day to make good decisions

Often we defer making decisions entirely. Sometimes it feels like the easiest option is just not to make a decision. Or, a variation on this, we make a decision that we will decide at some other point in the future.

The thing that we often forget is that when we fail to make a decision, we are implicitly making a decision to stick with the status quo. Continue reading “Not Making a Decision is Making a Decision”

Is It Worth It? (Why I Save So Much, Part 4)

Over the last couple weeks I’ve run through a lot of my philosophy behind saving and investing. I discussed that I invest at least as much as I spend every month because I want to buy options for my life, because I see the value of labor declining over time, and because I don’t want to need to start a new career path if mine gets automated out of existence.

The big question for most people at this point is: “Is it worth it?” Continue reading “Is It Worth It? (Why I Save So Much, Part 4)”

The Onslaught of Automation (Why I Save So Much, Part 3)

beep boop beep boop
Is this guy coming for your job?

Today we’re back talking about why I save such a high percentage of my income.

Last week we talked about buying options and how hard work is paying less and less over time.

One of the reasons that we are being paid less for our labor is the increasing reliance by companies on automation. This increased automation is a serious enough concern that it gets its own article today. Continue reading “The Onslaught of Automation (Why I Save So Much, Part 3)”

Why I Save So Much

I save and invest a lot. I track my spending and investing and have a goal of investing (between retirement accounts, health savings accounts, and taxable accounts) more each month than I spend. I have successfully hit this goal every month for the last three and a half years.

I recognize that this is unusual.

I have spent a good deal of time preparing taxes for folks in a pretty well-off area, and I am aware that most people don’t save like this. It is especially unusual for young people. Continue reading “Why I Save So Much”

On Quitting and Time Management

I debated quitting this blog recently.

When I started writing last summer, I put some rules in place. I assumed that there would be some valleys, and I didn’t want to give up when things got tough.

First, I agreed that I would write for at least a year before I reassessed. That year isn’t up until July.

A few months in, I also signed up to attend FinCon (the annual financial writer/blogger/podcaster convention) in 2017. FinCon isn’t until the end of October, so I figured I would push through until at least then to meet and learn from some of the great people that I’ve connected with in this community.

I took both of those steps before the election. Continue reading “On Quitting and Time Management”

You Always Have a Choice

You always have a choice.

This is not an empty maxim. Not an inspirational quote.

It is a fact of life. And recognizing this fact will make you happier and allow you to live a better life.

There are times when things happen to us that are outside of our control. But it is always our choice how we respond (or react) to them. Continue reading “You Always Have a Choice”