Smart Moves = Financial Freedom

Naval Ravikant’s How to Get Rich (without getting lucky) – Full Text

Financial Independence Mindset

Naval Ravikant’s How to Get Rich (without getting lucky) - The Full Text

Naval Ravikant has written one of the most profound and succinct explanations of how to get rich ethically in the modern world that I have read. I have posted the full text of the Tweetstorm below. You can also find the original and follow Naval on Twitter at this link. Naval Ravikant’s How to Get […]

Warren Buffet On The Importance Of Passive Income

Financial Independence

“If you don’t find a way to make money while you sleep, you will work until you die.”~ Warren Buffet

Do You Need An ATM Buffer Account?

Travel

My father’s ATM card number was stolen a few years ago and the thieves cleaned out $4,000 in a blink. He did eventually get reimbursed, but it was a scary experience. So consider creating an ATM buffer account. What’s An ATM Buffer What? The buffer account is a separate checking account where you keep very […]

What’s The Business Of Investing?

Investing

The Simple But Not East Business Of Investing

As an investor, I am in the business of buying assets that: 1. Go up in value due to an increase in earnings or due to speculative mania. 2. Pay a stream of cash to me as a dividend or other type of income stream. 3. Combine both items one and two. I am also […]

“Find Your Passion” Is Really Bad Advice. Do This Instead….

Careers

Yep, He's Still Looking For His Passion....

“Do what you love.” “Follow your bliss.” “Find your passion.” We hear this advice all the time. There’s just one catch: if you already knew what your passion was, you wouldn’t be reading this blog post. So assuming you haven’t found your passion and are groping your way forward like 99 percent of the rest […]

How To Negotiate Airbnb Rates – And Lock In Way Better Deals When You Travel

Savings

You love to travel, and you love Airbnb. But sometimes the apartment or house you have fallen in love with is priced just a bit beyond your budget. Fear not. Negotiating rates on the Airbnb platform is easy. Negotiate AirbnB Rates Like A Travel Hacking Pro Once you’ve found an apartment or house you really […]

Catch Me If You Can – Tips On Managing Credit And Debit Cards

Savings

Great advice here from fraudster-turned-FBI-agent Frank Abagnale about using a credit card vs. a debit card. The advice is probably too extreme, “Don’t ever ever ever ever ever use a debit card,” but does highlight the perils of debit cards and the safety of credit cards. My own compromise approach is to always keep nearly […]

Are You Cheap, Or Just Smart???

Savings

“Cheap…… Frugal…… Tightwad……” It’s fascinating how much people debate the wisdom of saving money on small items. There is no one answer. Do you savor the Starbucks experience? Then, great, go get your Starbucks. But if you are broke or in debt, it is just plain stupid to spend $5 on a Starbucks drive-through every […]

Are You Smart About Your Emergency Fund?

Investing

So you have set up your emergency fund. Maybe you have even built out your financial buffer. I have a question for you: Are you maximizing the returns on your emergency fund? If you have a stable job and career, there is no reason not to invest your emergency fund assets in a certificate of […]

Save Money – The $100 Per Day Challenge

Savings

Once you get serious about achieving financial independence, you will quickly shift how you relate to the money flowing through life. You will realize that you need to save money if you ever hope to accumulate assets. Save Money – The $100 Per Day Challenge Here is an example from my own life. When I […]