Category: Life

Get Mental

Fitness, that is!  In the professional world, we spend a lot of effort trying to look good.   This ‘looking good’ can happen by dressing, demeanor, dialogue or documentation (the last one is also part of how you are judged).   All of this looking good business can leave you tired and chasing the wrong habits.  There are coping mechanisms to retain your sanity and stay mentally fit.  

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A Peek Into a Real 1%er

Too rich for this 1%er?

Too showy for this 1%er.

It is not easy to peek into the mind of a top tier 1%er for most of us 99%ers, no matter how close we are to the cut-off line.   They travel in different groups, socialize with their own limited peers and generally frequent places that we don’t get admitted to or where the price of admission would not be justified even for those with ‘entry-level’ seven figure net worths.

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What is Enough?

Even this doesn't come along for the last ride.

Even this doesn’t come along for the last ride.

Even an eye-less needle doesn’t come with you on your last journey”  says an old proverb.  A sewing needle is a trivial item anyone can afford and its essential part is the hole or the ‘eye’ where you pass the sewing thread. If that is broken, the sewing needle is useless. You cannot carry even such a useless item on your final journey, leave alone the nice things and the people you love.  This is the inner meaning of that proverb.  It may be depressing but that’s the stark truth.  (more…)

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Got Risk? Get Over It!

risk-taking

Risky move or human ‘bridge’?  It is how we see it.

“I would like to avoid risk as much as possible” is what we often hear or even say.   That’s understandable for a conversation but the attitude we show towards risk is the single largest determinant of our success.   And that attitude was likely formed even before you entered your teenage years.  There could be any number of triggers for it. 

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https://en.wikipedia.org/wiki/Dodo

Are You Biased?

It's not so obvious always.

  It’s not so obvious always.

Of course, you are! We all are.  We just don’t want to admit it.   The biases we have are so hidden and yet, so effective, that they pretty much control how we think, speak and act in many situations.   That’s a pretty tall claim, I know.  In my life and in my corporate experience, I have often found that those who feel they are objective or unbiased often have deep-rooted biases that they think actually make them unbiased!  Ironical, isn’t it?  Such is the nature of cognitive bias (as psychologists call them) that it spares no one on its path.  They can stop you from investing efficiently.   They are enemies on your path to financial independence.  

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Money & Relationships: Rules That Work

Love may be blind but life isn’t! Long term domestic partnerships are not the garden path of roses leading to a velvety beach that romantic novels, movies and dating websites want you to believe.   As a married man for over 12 years, and also, raising a kid together, I think I have earned the right to comment about domestic partnerships. 🙂  This post is about a topic that any person with a ‘significant other’ must confront at some point on their journey towards financial independence.   

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Juvenile Philosophy?

This kid is the carrot among peppers!

Is this kid the carrot among TFR peppers?

“Life is like a box of chocolates, you never know what’cha gonna get.”  Thus declared the famous Forrest Gump, in a rare glimpse of his philosophical mettle way beyond his portrayed capabilities in the film.   That quote resonated for me recently when I was speaking with my 10-year old kid for his ‘sub par’ performance in his exams recently.  

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Boss: Aren’t we supposed to have a meeting now? Where is everyone? Secretary: Didn’t you read the memo? They have all quit and are blogging about ER.

Your Job. Your Attitude. Your Independence!

Boss: Aren’t we supposed to have a meeting now? Where is everyone? Secretary: Didn’t you read the memo? They have all quit and are blogging about ER.

Boss: Aren’t we supposed to have a meeting now? Where is everyone?
Secretary: Didn’t you read the mails? They have all quit and are blogging about ER.

It’s no surprise your job feels like a prison after reading many personal finance blogs.  It has become a rite of passage for many early retirement (ER) bloggers to declare their freedom from the ‘chains’ of corporate life.   After all, being free from what 99% of the world’s salaried class are doing every day certainly gives an early retiree the bragging rights.  At times, the financially independent ER bloggers seem like the real 1% as we remain part of the 99%.

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Work Abroad Before You Retire

If you are well aware of the retirement crisis in the first world or worried about your own retirement, then you have come to the right place.  In an earlier post, we saw how a simple decision to rent, while giving you the opportunity to be globally mobile, can help accelerate your journey towards financial independence.   Once you learn to move and thrive in your new role for work in a new place, you will not worry about doing the same in retirement to enjoy a higher quality of life.

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Nothing more scary than being old and penniless.

What The Retirement Crisis Means for You

Nothing more scary than being old and penniless.

Being old and penniless – now that’s scary.

Let’s face it.   Americans, and for that matter, most of the western world, are ill-prepared for their retirement.   Reading ER blogs and personal finance websites will not give you the real picture as the authors and commentators are a progressive bunch who, collectively, are better off financially than others.  The real truth, of course, is scary.  In this post, I analyze two charts from a well-researched American study to explain what this means to you and why you should care.

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