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Financial Freedom Countown – Know Your Blogger Series

Know Your Blogger Series

Financial Freedom Countdown

Come read about the great personal finance blog, Financial Freedom Countdown.
Each week at Personal Finance Blogs, we publish interviews from amazing bloggers from the personal finance space. This week, we are featuring the blog, Financial Freedom Countdown.
During these weekly features, we are hoping to provide a way for you to interact and learn more about different blogs in the personal finance space.
Below, you can read more about the story behind Financial Freedom Countdown, learn about the author, and learn personal finance tips from Financial Freedom Countdown to help you improve your financial situation.
A big thanks for Financial Freedom Countdown for this interview! Now, we will turn it over to the author for this interview.

Tell us about Financial Freedom Countdown

My blog was inspired by a distinct memory in my working career. I remember my VP who is in her 70s mentioning that her sister was not keeping well. I naturally assumed she would visit and asked about her travel plans. However, she did not want to take time off given that we had a huge product launch coming up.
Two weeks later, when we were in a meeting; she received a phone call. Her sister had passed away:(. The fact that although she was a VP, earning at least 3X more than me; and yet was a “wage slave” hit me like a tidal wave.
It was at this point I was also reading a book on five regrets of the dying. Although it is not technically a retirement book, I believe it defines the essence of why we should strive for financial freedom and have included it in my ten early retirement books.
My blog is titled Financial Freedom Countdown and focusses on individuals living in high cost of living areas. Even with high incomes; I noticed many of my coworkers and friends stressed out about work, finances and emergencies. Earning money is one aspect; but effectively deploying capital so it works for you is the tricky part. I started Financial Freedom Countdown in 2019 with the goal to encourage others to be mindful when trading time for money.

What makes you and your blog unique?

Very few personal finance blog writers have esoteric investments like Bitcoin, SPACs, real estate syndication, lawsuit financing, commodities futures, pre-ipo investments, art paintings, etc. and talk about them.
I came from a third world country to the US with only $1,000 not knowing anyone; guided only by an immigrant dream. Achieved Financial Freedom in 12 years living in the most expensive part of the country (San Francisco Bay Area).
The immigrant, late start and absence of family support aspects of my story demonstrate that you can still achieve Financial Freedom:
  • Even if your family knew nothing about money
  • Even if you have a late start
  • Even if you live in an expensive part of the country
I was born in a different country and had no knowledge of anything like credit scores, renting an apartment, opening a bank account, investing, etc. My family was not in this country to hand hold; and I had to figure out everything on my own.
In my early days I learnt a lot by reading other blogs. Starting my blog is my attempt to give back to the community. I write my blog posts with as much detail as needed; to help my audience along the journey. Many of my blog posts are based on audience requests and the readership has a close-knit community feel v/s the larger blogs. I strive for a mix of philosophy (why), process (how-to), and tactical (comparison reviews)

What does “being good with your personal finances” mean to you?

The most important part in Personal Finance is the word “personal”, Everyone has different priorities in life.
For me “being good with personal finances” means defining your priorities and having a plan to achieve them. I firmly believe while each of our paths would be unique based on our own financial situation; we all share the same goal of living our best lives along this journey.

What are some habits you practice to keep your personal finances in order?

I know a lot of people focus on budgeting or hacks like skipping coffee. Personally, I find these tactics to be mentally draining. There is no point in spending a lot of time and energy on the aspects that do not move the needle.
The 2 habits I focus on are:
1) Automate the core of my investing.
Investing is hard due to a myriad of factors ranging from behavioral to psychological.
Getting started with investing and continuing with investing should ideally be automated so we do not second guess ourselves; trying to time the market or chase the next hot sector. Despite all the technological advances and myriad of brokerages competing for our investment dollars, there are not many perfect investment platforms.
I looked at several platforms and compared them to find my perfect investment platform. I was looking for a platform which permits you to automate investment. Pre-set rules to bring your asset allocation back on track with automatic rebalancing, It should also have pre-built asset allocation to get started. And have zero fees and very low minimums.
2) Track your net worth.
I am a huge fan of the Peter Drucker quote “what gets measured gets managed”. This is true for all aspects of life and not just financial.
Tracking your net worth helps you examine what is going wrong if it does not increase annually. Are you picking the wrong investments? Are you spending more without realizing it? Is your income not increasing as expected? Should you switch jobs or add a side hustle to increase your income? Several such questions can be answered by tracking just one number.
And it is always best to compare your today with your yesterday.
Don’t fall in the trap of comparing yourself with others. Since everyone has different preferences with investment opportunities or increasing income, net worth is the best way to measure your own progress.

What are your three articles’ people should read to get to know you and your message better on your site?

My article on how to improve human capital details the steps I took to grow my income and consequently my net worth. Given a choice between increasing income and cutting expenses, I would always focus on increasing income. There is a limit to cutting your expenses but your potential to increase income is unlimited.
I started investing in crypto currencies early on due to my personal experience dealing with sectarian violence. The censorship nature of money was a more attractive feature compared to the asymmetric price advantage of Bitcoin.
Real estate has always been a fascinating investment for me as an immigrant since the fixed rate mortgage for 30 years in not available in most countries. I do own a rental property but due to the changed laws, I don’t believe it is a great investment. In fact, I switched to real estate syndication to maintain the asset allocation and reduce risks.

For someone looking to improve their financial situation, what’s your best advice?

In the short term I would advise defining your “why”. Improving your financial situation will involve tough choices. Having your why clearly defined will help you make the necessary trade-offs.
Define your ideal life and what is holding you back currently from living it. If it purely financial then have an approximate idea of the number. If you don’t have an emergency fund then start one. Also make sure you get high returns on your emergency fund.
In the medium term I would figure out the gap between your income and expenses. Work on growing the gap. Focus on increasing your income by either improving your human capital or by converting your hobby into an income generating business.
Examine your biggest expenses and see what one time changes you make to eliminate the fixed cost. It could be downsizing your house or getting rid of the expensive second car.
In the long term, define your investment plan and write it down. Learn about what you want to invest, could be index funds or real estate or something else. Stick to your investment plan. As your nest egg grows larger learn about diversification among asset classes and look at how your investments can be diversified.

In your opinion, what’s better? Renting a place or buying a house to live?

Unless you have access to a rent control place, I would advise buying a house to live. Owning a house with a fixed rate mortgage is the best hedge against inflation.
In the long run, you will come out ahead by buying a house with the same monthly payment as your rent. If you rent an apartment but buy a house then obviously it is not the right comparison.
Owning a house not only provides stability in terms of your personal life but also financially you can project your living expenses decades in the future. Of course, this involves buying a house and living in it for at least 10 years. Buying houses have a lot of transaction costs associated with it and your goal is to minimize it.
At a later point if you decide to move then converting your primary home into a rental is an easy way to get introduced to real estate investing.

In your opinion, what should you do first? Pay down debt, or invest?

Depends on the interest rates and terms of the loan.
Is the debt above 15% real interest rate. If yes, pay it down. If no, max out your 401(k). Employer match and lower AGI are great benefits.
Any debt below 15% rate becomes a tricky choice. Mathematically investing might yield higher return but paying down debt is a guaranteed return on investment compared to investing.
Also, since student loans can’t be discharged in bankruptcy always pay them down.
I am partial towards having home debt since you do get the benefit of leverage with a home loan especially if you buy a house in a location which appreciates in value. The other benefit of home debt is asset protection.

What is your favorite investment class and why?

I invest in index funds, bitcoin, commodities, rental property, real estate syndications, individual moonshot companies, SPACs, art and legal financing.
With so many active investments it is hard to pick a favorite. The best assets to buy depends on your risk profile, time, knowledge, and unique circumstances. I evaluated every asset depending on the anticipated risk and volatility, expected return, liquidity (how easy is it to sell and get our money back), passive nature and availability (can anyone buy it).
I ranked and scored each asset to determine the best income producing asset.
I had some interesting reader confessions on expensive car and RV purchases. In the spirit of making lemonade out of lemons, I updated that post with some ideas to turn liabilities into assets.

Do you have any financial mistakes you’d like to share, and how have you grown from these mistakes to improve your personal finances?

I have made tons of mistakes financially.
I never contributed to my 401(k) for the first 2 years since I was not sure if I would continue to live in the US or go back home. And this was with a 50% match.
As I mentioned I try different investment strategies and fail sometimes. In fact, one of my most popular posts documented my four worst investments. And each of these resulted in over $100K loss. My cliff notes version of my mistakes post is as follows:
1) Buying stocks like Sears Holdings based on TV guru recommendations.
Lesson Learned: Don’t take stock tips from TV personalities. It is wrong to assume success in one field translates into expertise in another. Lampert’s hedge fund success was extrapolated to his expertise as the CEO and Chairman of Sears. Also, the backstop was the real estate on which the stores were located. The Great Financial Crisis decimated the real estate market and retailers.
2) Investing in UNG without realizing that it was a poor proxy for the actual price of Natural Gas.
Lesson Learned: When investing, make sure you anticipate any technological changes that may result in your thesis not being valid in the future. Also, make sure you understand the instrument used to invest/speculate. The usage of futures contracts turned out to be my undoing.
3) Investing in ICOs.
Lesson Learned: In hindsight, most of these tokens did not have a strong business case. Since Bitcoin is already decentralized money, you could use Bitcoin to pay for all these services. I could see a point with respect to decentralized and anonymous internet being a fair use case since Bitcoin does not offer anonymity yet. The lack of adoption should have been a major red flag.
4) Investing in Lithium stocks.
Lesson Learned: Not anticipating the new supply was my biggest mistake. I have limited knowledge of the commodities market and need to do more research before investing in the future. Also, we need to consider jurisdiction risks and the fact that assets outside of the developed world do not have much protection.
I also lost money on real estate crowdfunding deals before I developed a checklist to evaluate them.
I am sure I will make many more in the future. As long as you make enough money, none of the mistakes will be catastrophic. You will survive and live for the next battle. When you are working, be aggressive and take as many risks as you can handle. Position sizing is critical, so you do not lose it all.

What’s a non-money related interest you have and what do you love about it?

My favorite hobbies are travel and weight lifting. Lifting weights helps me focus my attention in a zen like meditation phase. Besides I am hoping that staying fit improves the quality of my life as I grow older.
I typically spend 6-8 weeks/year on international travel. Besides the usual tourist attractions, I do enjoy meeting folks in different parts of the world and it helps ground me with respect to realizing how lucky we all are. I was in Cambodia before all travel was shutdown.
A lot of locals were selling trinkets at Angkor Wat. The person who had the most business was a young teenager who actually spoke 4 different languages – Mandarin, Spanish, French and English. I spoke to him and he mentioned using Youtube to learn simple phrases which helps him connect with the foreigners in their local language. Talk about hustle and developing an advantage over your competition!
Now that life is returning back to normal, I am excited to travel again.

How You Can Contact Financial Freedom Countdown for More Information

You can learn more about Financial Freedom Countdown at https://financialfreedomcountdown.com/, like them on Facebook at Financial Freedom Countdown and follow them on Twitter at @ffcsocial.

Thank you for reading this interview, and thank you, Financial Freedom Countdown, for providing us with some great personal finance tips!

About the Know Your Blogger Series

Each week, Personal Finance Blogs features a personal finance blogger for you to learn more about who is behind the different blogs in the personal finance space.

These interviews also provide different viewpoints and tips for improving your financial situation. Check out a couple other recent interviews below, or see them all of the past blogger features here.

Have Your Dollars Make Sense
Come read about the great personal finance blog, Have Your Dollars Make Sense.
A Chat with Kat
Come read about the great personal finance blog, A Chat with Kat.

February 22nd Features

 

 

 

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Important Personal Finance Metrics to Track for Financial Success

Tracking your personal finances is the most important task to perform to become wealthy. There are many personal finance metrics to track, but in this post, you’ll learn the top 4 personal finance metrics to track and understand the importance of tracking your personal finances.

Becoming financially successful might seem a little complicated, but it’s not too difficult with the right strategy. The most important thing you can do to become wealthy is to tracking your income and expenses.

However, total income and expense aren’t the only metrics which you should be tracking. Knowing all of your income and your expenses on a monthly basis is a great starting point. However, just tracking our expenses and income doesn’t tell us anything about the way we use money.

Are you a saver?  A spendthrift?

Without digging a little deeper into the data, you won’t know whether you’re on the path to success, or if the ship is sinking.

How do you track your finances? What factors are important when it comes to personal financial success.

In this post, I will be sharing with you:

Let’s get it tracking!

4 Personal Finance Statistics to Know and Calculate

There are potentially hundreds of financial metrics you could track, but there is beauty in simplicity.

The 4 metrics you need to know for personal financial success when it comes to tracking finances are:

gross incomeNet Income

Tracking your net income over time will give you a picture of what you are working with financially.

Let’s start off with an easy one: net income. What did you make in income, after taxes, for a given period?

The easiest way to do this is by just looking at a recent pay stub.

You’ll see your gross income listed out, which is what you made before taxes.

It should also list out all of your deductions, like FICA, federal, your state tax (if any), etc.

If you have investment income, or have any other freelancing or consulting income, you can find your gross income by adding up what you are paid each month.

Below gross income, if you’re looking at your pay stub, you’ll find your net income, which is the income remaining after all taxes.

Essentially, your net income is what you have to work with each month and year.

If you make $5,000 a month after taxes, then you know you have a maximum of $5,000 you can live on for all of your expenses and saving goals.

Hopefully, over time, this number will go up as you become more experienced and valuable to your clients or employer.

For me, I use income to judge how effectively I used my cash in a given period.

If I received a windfall or had a good quarter consulting, I might have a month where my income increases by $1,000 to $2,000. This sets the stage for increased contributions into savings or my investment accounts.

Tracking net income allows you to plan what to do with that income to best set yourself up for financial success.

You can’t base your financial planning on gross income (for instance, your yearly pre-tax salary number) because you will surely overestimate how much you’ll actually have to work with since taxes will be a chunk of that money you won’t see on a regular basis.

Tracking your net income allows for accurate money management.

Gross Expenses

Your total gross expenses is a very important financial statistic to calculate for yourself.

After income, calculating gross expenses – the total amount of money you spend during a month – will help you identify any weaknesses in your budget.

You can track your expenses however you find most effective. I split my expenses into some broad buckets, and then dive deeper to get a better understanding of where my cash is actually going each month.

If I had kids, I can imagine having more line items for diapers, clothing, child care, sports, saving for college, etc.

Like I said, you can categorize your expenses anyway you’d like. Personal finance is personal! 🙂

For example, I lump food and drink together. Splitting them up makes sense as well, but I don’t drink as much anymore, and as a result, I simply have kept it as food and drink.

As part of your overall financial picture, tracking gross expenses can reveal areas of improvement (are you spending too much on a cable subscription when you rarely watch TV?). Over time, you can make tweaks and grow to make sure you are on the path to financial success.

Savings Rate

Savings rate is a very important personal finance metric to track.

Once we have our income and expenses for a certain period, we can move on to a slightly more complicated metric: savings rate. No, it’s not too complicated, just some division added to the mix 🙂

A person’s savings rate is the percentage of income which a person saves in a given time period.

Simply put, it can be calculated as (net income – gross expenses) / net income.

Let’s say a person makes $5,000 in a month. They spend $2,500 of it and the rest is saved in their savings account. Then, their savings rate for the month is 50%, or ($5,000 – $2,500) / $5,000.

Now, it gets a little bit more complicated once you start to factor in contributions to investment accounts and principal payoff of debt.

For me, I don’t count these as expenses. With contributions to investment accounts, you aren’t giving your money to someone else, rather you are putting it somewhere else for your future self.

For paying down a debt, I do consider interest to be an expense.

At a minimum, people should aim to save at least 10% of their income. Personally, I’d suggest aiming for 25%+ to help you become wealthy more quickly.

Net Worth

calculating net worthThe final piece of financial information to track for your personal finances is your net worth.

What is your net worth?

It is your assets minus your liabilities.

What are assets?

Assets are things a person owns which have value. Typical assets include houses, cash, stocks, bonds, cars, precious metals (jewelry, etc.), currencies, businesses – and the list goes on and on.

Next, what are liabilities?

Liabilities are things a person owes, either to a bank, a financial institution, or another person or business. These include credit card balances, mortgages, auto loans, personal loans, liens – and the list here goes on and on as well.

To calculate your net worth, subtract your liabilities from your assets.

It’s great if the resulting number is positive – this means you have a positive net worth.  Your assets are worth more than your liabilities!  Great job!

If you have more liabilities than assets, that means you have a negative net worth.  Your liabilities are greater in value than your assets.

If you have more debt than assets, there’s no sense in wallowing – it’s time to destroy that debt!

Over time, you want your net worth to be increasing. If you have a positive savings rate, then your net worth will be increasing since you will be increasing the asset side of the equation.

I focus on increasing my net worth over time. In the 3 years, I went from a negative $15,000 net worth (in college with my student loan), to a positive $125,000 net worth.

My assets include my house, my car, my cash, my IRA and 401(k), and my business. I have a mortgage, a HELOC, and 4 credit cards which I pay off faithfully in full each month.

To increase my asset base, and continue to grow my net worth, I’m focusing on contributing to my retirement accounts, paying down a little bit extra on my mortgage each month, and growing my business.

Knowing your net worth is crucial to tracking your finances. Focus on growing your net worth and you’ll be on your way to financial success.

Some Other Favorite Personal Finance Metrics

One of the great things about having blog readers is being able to ask them about their strategies for financial success. A number of people contributed when asked how they track their finances each month:

Diego, a good friend and avid The Mastermind Within reader said the following:

A steady and overachieving monthly and yearly savings rate is the key for me.

I love it – savings rate is truly a great indication of where you are!

The Grounded Engineer, a fellow blogger, says he used to compete with a friend to see who could save more:

I used to look at what other people were doing. For example, one of my best friends and I would see who’s 401(k) had the larger balance. It was fun and we are both competitive, so it worked out great because we were both saving a significant amount of money. My friend has slowly succumbed to lifestyle inflation, and hasn’t been able to keep pace. I’m trying to get him on the financial independence bandwagon, but I have been unsuccessful in my attempts.

I’ve never seen that in practice! I’m glad you have kept up with your contributions!

Cynthia, another reader and friend of mine, said:

We track net worth over time. If net worth is going up over time, we are happy.

I couldn’t have put it any better myself!

The community members agree: tracking personal finances through knowing your savings rates and tracking your net worth over time will lead to financial success.

5 Personal Finance Softwares and Tools for Millennials

Tracking your finances over time is critical for financial success.

What gets measured, gets managed.

Not everyone is a spreadsheet or Microsoft guru. Luckily, there are many softwares and tools out there to help automate and track your finances over time.

I love spreadsheets and developing new algorithms and ways to calculate and track what I’m doing in my life. Technology is something I love, and as a programmer and statistician, I’m able to play with different technologies at work every day!

There are six tools I want to highlight that are critical for your financial success. These tools range from simple spreadsheets to calculators to full blown applications:

Mint

The pinnacle of free web and mobile applications, Mint is at the front of everyone’s mind. I love it because I can input 95% of my accounts, and it allows me to see my net worth in real time.

With Mint, you are able to connect all of your bank accounts, retirement accounts, debt accounts, and see all of the balances and information in a neat and tidy fashion.

I use Mint in tandem with my personal income statement spreadsheet. Mint is a great starter application for people who are looking to get their finances in order.

Personal Capital

Tracking your investments over time can be a struggle. You sell a little bit of this stock, and buy some of that bond. We aren’t all programmers and developers, and can’t track our profit and loss and portfolio value over time easily. That’s where Personal Capital comes in.

Personal Capital is like Mint, but has much greater capability for tracking investments over time.

With Personal Capital, you will be able to see your exposure to different asset classes, as well as get your income and expenses over time.

Personal Capital is a great tool to add to your finance tracking portfolio.

Mad Fientist Financial Independence Laboratory

How far are you away from financial independence? With the Mad Fientist Financial Independence Laboratory, you can know right now!

This web application allows you to enter in your monthly financial data and it automatically charts your progress to FI. It’s an easy to use and cool application.

In addition to being able to use your current expenses, you can forecast using your future expenses to see what financial independence will look like.

Check it out here: Mad Fientist Laboratory.

Financial Mentor

Financial Mentor has eighty financial planning and personal finance calculators on their site.

Eighty! That’s insane. Many of these are pretty simple, but it’s still pretty cool to see all of them in one spot. Plus, they are free!

Hopefully there is one for you. Check these calculators out here: Financial Mentor Calculators.

Other Bloggers Spreadsheets and Tools

Since I started blogging, I’ve seen a number of bloggers posting their own spreadsheets and tools. I love seeing what other people have created, as there are many, many smart people in the world, and everyone has a unique take on life.

Three bloggers that have tools I’ve been recently using are Life and My Finances, Physician on FIRE and ChooseFI.

Derek from Life and My Finances, has a collection of spreadsheets, all for free!  I actually ended up drawing inspiration for my Debt Destruction tool from Derek’s debt snowball calculator!  Check him out here: Life and My Finances.

Physician on FIRE has a great spreadsheet as well. As a doctor, he knows a thing or two about finance as well! Check him out here: Physician on FIRE.

Finally, the ChooseFI Vault has a great wealth of information. If you love their podcast, then you’ll definitely want to check out the vault here: ChooseFI Vault.

The Importance of Tracking Your Personal Finances

Tracking your personal finances and knowing where you are financially is so important to financial success.

But why?

I have two friends: Jack and Jill. Jill tracks her income and expenses, and Jack doesn’t track his income and expenses.

Jack and Jill work at the same company and are in the same team, both making $5,000 a month.

Jill, the Tracker

Jill, the tracker, wants to retire someday, and a few years ago, she started putting away $500 a month into an investment account. Now, she is married and just gave birth to her first kid. As a result, her expenses have gone up but she still has kept in mind this goal of saving for retirement.

Before having her child, she was spending $500 a month on food and drink with her husband. Now, since they have another mouth to feed, she realized that their combined food spending would about $750 a month if she kept eating out. Instead, she changed her habits and started bringing her lunch from home a few days a week.

With this simple change, and even with an extra mouth to feed, Jill is still only spending $500 a month on food, did not alter her lifestyle too much, and is still on track for retirement.

Jack, the Non-Tracker

Jack, the non-tracker, wants to retire soon, but doesn’t know where he is at on a monthly basis. He puts $500 into his retirement account because he heard that it was a good idea on some radio show. In addition to this, he has been saving on average a few hundred dollars a month in cash which he adds to one of his investment accounts here and there.

Recently, he got married as well, and recently gave birth with his wife to a newborn. His expenses have increased, but he is not really sure how much.

One of the things he loves is watching football, and in particular, going to games at the local stadium. Even with his newborn, he still wants to go to games.

With the increased expense of having a kid, his cash savings goes to 0, and now he isn’t getting those additional savings.

A few months later, he realizes he can’t make his usual investment account contribution and is a little puzzled, “oh well, I guess we just bought a few more diapers than I thought, I’ll make the investment next month.”

His next investment is never made because he has no idea how much cash he is saving each month.

Who’s going to be more successful in the long run?

Who is going to be more successful financially in the long run? Jack, the non-tracker, or Jill, the tracker?

I’m going to guess Jill is going to be more successful financially.

She knows exactly where her money is going at the end of the day. Jack on the other hand does not.

I hope this example helps paint a picture of why it’s important to track your income and expenses over time.

You never know when life is going to rear it’s ugly head and throw some unexpected expenses at you – but with proper tracking, you can navigate these rough roads much easier!

Grow Wealth Over Time Through Tracking and Consistency

Keeping track of how you are doing financially WILL lead to personal finance success.

With these four metrics in hand, you will be ready to take on the world of personal finance. Tracking your income and expenses, savings rate, and net worth over time will help you understand where you are financially, what you can improve on, and how to take action.

Calculating these ratios and metrics are not difficult – basic addition, multiplication and division will suffice.

With these tools in your financial toolbox, I know you’ll be well on your way on achieving your financial goals and dreams.

How to track your income and expenses to build your wealth

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February 19th Features

 

 

 

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