We’ve been living in Nashville for about 4 years now. Moved here on a total whim. I had only spent one afternoon in the city prior to our move… and we love it. It’s totally copasetic here. Just about any positive adjective you want to use to describe it will fit (of course, so will some negative ones). All in all though, it worked out pretty well for us. I mean, just look at how little we have to spend to exist here. But, recently we were talking, and decided to move in a couple of years, in order to be closer to family. But that’s not the point of this post. I’m actually seeking advice here- and to make it rad for ya’ll, I’m including some 30 Rock gifs. But here is my question: do money and family mix? [Read more...]
Do you still have cable? I seriously hope not. If you’re paying a monthly cable bill (especially to comcast) you need to cut the cord on that sucker. Like yesterday. I’ve already written about how to survive without it (it’s easy). So I’m not going to sit here and tell you how much money you’re literally wasting with cable (hundreds per year*). I understand how much you love TV. I do too. I’m not here to blame you for that. I was a latchkey kid. I was all about TGIF and SNICK (anyone else remember early 90s SNICK?) and the like. I have a bunch of pictures of me in a t-shirt with Steve Urkel’s face and the words “No Sweat My Pet” on it. Trust me, I get it. TV is a friend. So, I’m not crazy. I’m not going to say don’t stop watching it completely. Just spend less money to do so. But I digress. I know you’re smart and cancelled your cable and now just pay $8 a month to stream Netflix (and maybe bought a Roku for $48). You’re saving kale, but now you’ve got a new dilemma: so many shows to choose from. No worries. I got your back, Jack. Here are 5 shows you should be watching on Netflix. [Read more...]
Everyone complains about the price of gas. It used to be cheaper, back when a nickel would buy you a moon pie and soda pop, with enough change to spare for a comic, right? The only thing is, travel costs you less today than just about any other time in history. In terms of fuel efficiency, you pay less to travel by automobile today than you would were this 1960, and you were rolling around in a Bel Air and blasting some Chubby Checker. Yes, the nominal price of gas has increased, but that is to be expected. Here’s what I mean; travel is historically cheap. [Read more...]
Happy Sunday to all you readers of the internet. Hope you all are having an enjoyable weekend and looking forward to the week. As usual, this is the time of week that I tell you what’s going on around here (if you’re so inclined to care), and share some of my favorite posts of the week from around the worldwide. It was 70 degrees here in Nashville today- actually warm enough to wear shorts out. Not going to lie, felt pretty awesome and made me ready for spring and summer. Hence, the reason this isn’t getting posted until 7 PM local time. That, and we finished season 2 of House of Cards. [Read more...]
It might sound like fantasy, but early retirement is actual. For me, and very likely you. The way I figure things, if I play my cards right, Mrs. Impersonal Finance and I should be able to retire comfortably in about 10 years. This will put our retirement just short of us turning 40. Now, it wouldn’t be easy, and would require significant work on our part. It also assumes we would continue to progress in our careers (provided things go according to plan, we will have a significantly increased income in the next couple of years). Considering we had about $70k in debt around our 26th birthdays, this really isn’t too bad. That would mean around 15 working years for me, since I went to grad school, and about 17 for the Mrs. Like I said, this would be a comfortable early retirement. Nothing extravagant, but we wouldn’t go wanting. So, how would we do that? How would we be able to retire at 40, a full 25+ years before the average American?
My wife and I were driving to visit family the other day, and we were listening to the radio. NPR, naturally (have I said we’re hipsters?). They were reporting on the economy and whether or not the “average American” had felt as if we have recovered from the depths of the financial crisis. Being as that I love listening to and discussing anything even tangentially related to money, economics, or finance, I tuned in. And well, I feel for those people in the country (and world) who have lost jobs, struggled, and been hit the hardest by “the great recession.” I’ve got family members who have been in and out of work for years now.* I suffered through a lengthy unemployment myself. But, at what point do we place blame on the person, and not “the economy?” If the economy is down, it’s you vs. the economy, right? [Read more...]