Image Source: YouTube/Good Morning America The sudden collapse of a highly anticipated season of The Bachelorette has left fans stunned—and raised serious financial questions. When Taylor Frankie Paul was announced as the lead, it was supposed to be a bold new direction for the franchise. Instead, the season was abruptly pulled just days before its premiere after a resurfaced domestic violence video sparked backlash. Now, beyond the headlines and controversy, there’s a bigger issue emerging: […]

I’ll never forget a moment early in my career at an IT research firm. I’d been there a few months. Quiet, observant, still figuring out my place. Then one day, sitting in a meeting, I had an idea. In my mind, I was already imagining myself sharing my genius idea and looking at all the impressed faces. So I waited for the right moment, and I said it. I got nothing. Literally no response at […]

A realistic approach to lowering your grocery bill that actually works in Canada.

Can you retire early if you are a parent and don’t have a six-figure salary? It’s a question the FIRE community gets often. Well, today we’re going to meet a reader who worked as a librarian, has a toddler, and decided to retire early anyway. How did he do it? Let’s find out. Why are you called the Millionaire Librarian? I’ll probably get destroyed online, but I actually created the blog, MillionaireLibrarian.com, a few years […]

Passkeys are a brilliant idea — a rare win, in that they are more secure than signing in with a password and (generally) easier to use as well. A very short summary is that when signing in with a passkey, the authentication happens on your own device. So if I’m signing in via passkey, my device essentially asks, “hey user, prove to me that you’re the person who is allowed to unlock this device.” Once […]

Puntate precedenti: Dettagli su questa serie di approfondimenti Fondamenti teorici per la costruzione di un portafoglio Portafoglio Rischio Consistente, Orizzonte Temporale Medio (Puntata 9) Inizio ad analizzare l’ipotesi di investimento a “Rischio Alto” su un orizzonte temporale soltanto intermedio (4-5 anni) ponendo una domanda: cosa è il rischio? Dal punto di vista finanziario il concetto di rischio, usualmente sintetizzato con banali valori quantitativi come la volatilità, sintesi della deviazione standard matematica, è in realtà un […]

elcome to another monthly dividend update! I enjoy writing these monthly updates and providing readers with insights into our dividend growth investing journey. The reason for writing these monthly dividend updates is to keep myself … Read more

The one thing I miss the most from being away from the blog lately is hearing everyone’s stories and how they’ve figured out not only how to overcome such trials, but to then thrive!! And this guest poster today had my attention right from the start learning that he was once part of the unhoused community I’m deeply involved with today. So I’m excited to share this post from new (I think?) financial blogger Early Retirement Earl! Thanks for taking the time, brother – and congrats! ******* When I was homeless at 19 after my mom died, I never would have imagined I would be semi-retired by 52 and sitting on a $3 million dollar empire of dirt. But here I am. I didn’t get here because I was a math genius or because I had a 30-year vision board. I got here because I spent two decades in a blind, exhausted grind, woke up at 40 with a limp and a corporate headache, and decided to stage a 10-year sprint for my life. I realized I was killing myself for a corporate machine that didn’t care if I lived or died. I decided to stop limping and start sprinting. This is the story of how a kid from a small town in New Jersey clawed out of poverty by sheer will, then discovered the math he needed to build a Freedom Fund bridge – escaping a grind that was destined to put him in an early grave. This isn’t a story about early retirement. It’s a story about a Late-Starter who realized the corporate machine was a funeral procession and decided to jump out of the casket. The Zombie Years: The Power of the Accidental 401(k) For 20 years, I was a retail grinder. I pushed carts, I managed stores, I dealt with the public. I was paycheck-to-paycheck well into my 40s. I had the standard American habit of spending exactly what I made and, like most people, I got myself into debt. But I had one saving grace: Fear. Because I had been homeless twice, I was terrified of being old and broke. So, I checked the box. I auto-enrolled in the 401(k). I didn’t know what VTSAX was. I didn’t know about asset allocation. I just knew that if I didn’t put money in the lock box, I’d be living off of Pop-Tarts again at 70. While I was busy surviving, the math was busy working. Between 1994 and 2014, I wasn’t an investor; I was a zombie. But by 41, I looked at my balance and realized I had nearly $200k. The market had been doing the heavy lifting while I was dealing with shoplifters and inventory audits. The Mid-Career Pivot: Breaking the 401(k) Cage By June 2019, I hit a milestone I never thought possible: Half a Million Dollars. I was 45 years old, staring at a 401(k) balance of exactly $500,000. My wife, who is younger and actually likes her career, was right