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Don’t miss an episode of our podcast, Personal Finance for Long-Term Investors. Available on all podcast players. Here’s the latest episode: For most of my adult life, I’ve been a little overweight. Not a ton, but enough. Most of my friends are nice about it (“What do you mean?! You’re in shape!”), but I notice it. The scale notices too. But I’ve felt a newfound determination to be healthier over the past few months, no doubt triggered by the birth of my second daughter. As I thought about it this past weekend, a tidy bit of math popped into my head. Depending on many factors, adults require between 2,000 and 3,000 calories per day. Let’s use a round number: 2,500 calories. We’ll say that 2,500 calories per day allows us to maintain a stable weight. We also know that a pound of body fat is estimated to contain 3,500 calories. Hypothetically (…or, based on experience), if I ate 5% too many calories for a full month, that would equal an extra 3,750 calories (5% = 125 extra calories per day…multiplied by 30 days). That’s almost exactly one pound of body fat. And if I ate 5% too few calories for a full month, I would lose almost exactly one pound of body fat. Let’s magnify that small 10% swing – from 5% too much to 5% too little – over months and years. It compounds massively. Just one little pound per month…but for years and years! It creates an infinite difference in health outcomes – from morbidly obese to lean and healthy. Just a small 10% swing. Tired (!) from dragging an extra 15 pounds all around the squash court… And that small 10% swing is equally impactful for long-term investors. Let’s start with the investor who spends 100% of their money and saves 0%. We all know this outcome. No matter how much time goes by, they’ll have nothing saved. Easy math. Now let’s look at the investor who spends 90% of their money, saving 10% of it (and letting it compound for decades). Even after adjusting for inflation, one could easily conclude that this investor will have compounded their annual salary by ~15x over a 40-year career. (In other words…someone earning $100,000 and saving $10,000 per year could easily build a $1.5M portfolio over 40 years – and that’s after all inflation is fully accounted for!) The 10% difference in the savings rate is the difference between saving nothing and saving 15x your salary. That’s an infinite difference. We shouldn’t underestimate the power of small differences, compounded over decades. Thank you for reading! Here are three quick notes for you: First – If you enjoyed this article, join 1000’s of subscribers who read Jesse’s free weekly email, where he send you links to the smartest financial content I find online every week. 100% free, unsubscribe anytime. Second – Jesse’s podcast “Personal Finance for Long-Term Investors”
It’s been a while since I’ve given just a general update on what we’ve got going on. And with some really big plans like moving to Asheville on the agenda, I thought it might be a good time to bring you up to speed. Besides our big move, we’ve got some fun international trips we’re working on getting on the books over the next couple of years that we’re already super-excited about! Just to make […]
Every few years there’s an IPO that gets people who don’t normally think about stocks asking me if they should buy it. Back in the day it was Google. Then Facebook. Then a parade of names I’ve already forgotten. This year it’s SpaceX, which is expected to start trading on the Nasdaq under the ticker SPCX next Friday. Elon Musk’s hype machine is in full effect. Instead of cars driving themselves, it’s about creating a […]
This week, I’m focusing hard on our overall list of household expenses. I’m trying to identify ways for us to save money. First Step >> creating a household expenses list When I think about the things we spend money on, especially with kids in the mix, it really makes my head spin. Listing OutKeep Reading Household Expenses List was originally published on WhatMommyDoes.com
Investing in the right blogging courses — and then actually doing the work — can completely change your financial life. I know, because it changed mine. I started this blog in 2015. For the first year, I made basically nothing because I was guessing at everything. Then I started investing in courses, and something clicked. … Read more
A complete blur of a month. Work has been so busy (more on work later…) and we enjoyed some days reaching heatwave temperatures, brilliantly coinciding with the bank holiday, so I was outside much of the time. I had family … Continue reading → The post May 2026 Savings, plus other updates appeared first on Quietly Saving.
My Sweet Retirement Best Fixed Deposit in June 2026 With a tranche of my fixed deposit maturing in June, I have been actively reviewing the best fixed deposit in June 2026 to decide where to place my funds next. The landscape has shifted significantly … Best Fixed Deposit in June 2026 My Sweet Retirement
For as long as I can remember, reading has been my passion. I grew up in a home of readers who loved sharing books. My mom could not attend formal school at an early age as she and her family were interrupted by the horrors of Kristallnacht and the Holocaust. For anyone who has had books taken away from them, banned, or who hasn’t yet developed a love of reading, there are 21 reasons why […]
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The Blood Syndicate is a notorious street gang with superpowers. Image source: Amazon The viability of modern Black superhero comic books is in a state of flux. Marvel has a few scant ongoing comic books with Black superhero leads. DC has had none since 2023’s I Am Batman ongoing series. This fact does not count limited series, mini-series, or one-shots, only Black-led ongoing series. Since 2023, there have been no ongoing series with a Black […]
A quick announcement for today: I just released the 2026 edition of Taxes Made Simple. It includes all the stuff that’s new for 2026 (and 2025), such as the $1,000 charitable donation deduction for non-itemizers, the senior deduction, the deductions for qualified tip income, qualified overtime income, and vehicle loan interest. If you think it would be helpful for you or a loved one, I’d encourage you to grab a copy. Or leave a review […]
Growing up, financial independence retire early (FIRE) had never been an unfamiliar concept to me. Seeing my dad retiring in his early 40s while I was a teenager and then having one of my cousins … Read more
A friend of mine recently launched a quiz to determine which of the 5 money trees you are, and, so, of course I had to take it because IT’S A QUIZ ABOUT MONEY! Here it is if you’re too excited to read on – > thefivemoneytrees.com I asked her where this “tree” idea came from and here was her response: ******* “I realized that most budgeting advice focuses on numbers and systems, but people struggle more with their emotional relationship with money. (TRUE!!) I kept seeing patterns of fear, avoidance, inconsistency, and lack of hope, and I realized that these emotional patterns were more predictive than income or tools. I came up with the “trees” because I wanted a simple, visual way to represent these patterns as areas of growth rather than flaws. Each tree reflects a different spectrum of how someone relates to money. The goal is to help people recognize where they are without judgment and see a path forward. Fun fact: my initial concept actually came from video game skill trees! ******* I love it. Humans are so complicated – and emotional – so of course it affects our financial decisions. And just like anything, the more you’re *aware* of these personal traits the better you can be at decision making! What are the 5 trees? I don’t want to give away too much cuz it’s more fun to take the quiz and see what you get, but you’ll basically be matched with one of these 5 at the end (and you don’t meed to enter your email address or anything to get your answer either – it’s totally free and chill!): Oak Tree – representing “discipline” Cherry Tree – representing “hope” Willow Tree – representing “adaptability” Apple Tree – representing “confidence” Maple Tree – representing “ambition” It doesn’t tell you in the beginning what all the trees are so I didn’t get a chance to guess first (but you can now!), but after seeing them I really wish I landed on the “ambition” one haha… At least that’s how I envision it in my head But it knew me all too well (I don’t chase money anymore!) and I ended up getting Apple Tree – aka “confidence.” Which I’ll gladly accept 🙂 “I have enough. I am enough.” Apple energy is grounded security. You care about provision. You think about what’s needed. It’s the calm that says: I can spend when it’s time. I can save when it’s time. I trust myself. *** Wipes tears from eyes *** I really have come far over the years… From chasing status to not having a game plan AT ALL, 25 year old J. Money would NOT have been associated with this tree, lol… He would have been a mere stump! Or perhaps a baby apple sapling, only watered with beer instead of water, hahahaha (he did have some fun though with his beer sapling