• What Barista FIRE Actually Looks Like (Right Now, It Looks Like the Philippines)

    I’m writing this from my desk in Longmont, Colorado. I work full time. I like my house, and I like my life. Meanwhile, a recent podcast guest Julie B. Rose spent the last few months in Africa, Australia, and New Zealand, and when we talked she was in the Philippines. She left her corporate job…

  • Asset Location: Which Funds Go in Your 401(k), Roth, and Taxable Account

    If you’ve been investing for a while, you’ve probably spent a lot of time on your asset allocation. How much in stocks, how much in bonds, how much international. People online will argue about this for days, and honestly, so will I. What gets a lot less attention is asset location, which is the question…

  • 5 Ways to Get Rich Without Real Estate (Coming From Two Real Estate Nerds)

    Scott and I talk about real estate a lot. Like, a lot a lot. We worked for a company called BiggerPockets for more than a decade, and shared the same roof as some very enthusiastic landlords. So it might surprise you to hear us spend an entire episode on how to get rich without real…

  • Buy the Couch: How to Think About Big Ticket Purchases When You Can Easily Afford Them

    A friend of mine and her husband are shopping for a new couch. They’ve found the one they want, and they can’t bring themselves to buy it because it costs $23,000. Twenty-three thousand dollars. For a couch. My first thought was that this was a ridiculous amount of money to spend on something you sit…

  • Outsourcing Household Tasks: Are You Optimizing Your Time or Just Being Lazy?

    I was driving home from the gym this morning when I passed a sign that said, “We hang Christmas lights.” My very first thought was, why don’t people just hang their own lights? I mean, come on. You climb a ladder, you clip some lights to the gutter, you plug them in. People have been…

  • How to Increase Your Net Worth Dramatically in One Year (No Lottery Ticket Required)

    Doubling your net worth in a single year sounds like something you’d see on a billboard next to a guy leaning on a rented Lamborghini. But if you’re early in your wealth building journey, it’s a lot more realistic than you’d think. You can increase your net worth much faster than you expect, and you…

  • Why an Umbrella Insurance Policy Belongs in Every FI Plan (Especially Now)

    Let’s play a quick game. Add up your taxable brokerage account, your home equity, your rental properties, and that suspiciously large cash cushion you swear is “just for emergencies.” Now picture a stranger’s attorney doing the exact same math, except with a much bigger smile on their face. Not so fun anymore, is it? Here’s…

  • Why You Need to Set Your Holiday Budget Now (Before December Sets It for You)

    Last month I went into a big box store for printer paper and came out having seen a twelve-foot inflatable reindeer, a pallet of peppermint bark, and an entire wall of ugly sweaters. The Halloween candy was still on the shelves. The pumpkins weren’t carved yet. And there was Santa, waving at me from aisle…

  • 530A (Trump) Accounts: Your Kid Already Has One. Here’s What Parents Need to Know

    Congratulations! Your kid has a retirement account. You didn’t open it, you didn’t sign anything, and your seven-year-old definitely didn’t fill out the paperwork, since she’s still working on tying her shoes. On October 1, 2026, the Treasury Department finished automatically opening Trump accounts for every eligible child under 18 with a valid Social Security…

  • Simplify Your Portfolio Before Someone Else Has to Untangle It

    I have a confession that will surprise nobody who has listened to me talk about money for more than four minutes: my portfolio is a mess. It’s a profitable mess and a well-tracked mess, but it’s a mess. Lately I’ve come around to the idea that it’s time to simplify your portfolio. By “your” I…

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