Last year while skiing at Beaver Creek, CO, we admired the ski-in/ski-out Ritz-Carlton Bachelor Gulch from afar. Knowing I am far too frugal to pay for a stay--the cash price…
The mathematical justifications for a high savings rate--or equivalently a low spending rate--are shockingly simple. Every dollar saved can be added to your investment portfolio, and financial independence ultimately requires…
What stocks or funds should I buy? Which account should I fund first? Should I invest now or wait and try to time the market? I am 100% invested in…
My Charles Schwab employer 401(k) plan has limited investment options. It offers US stock index funds with low expense ratios, but only offers actively managed US bond and international stock…
We love to travel, but we also love to save money. The nine resources below detail how we accumulate and redeem miles and points to travel for a fraction of…
Harvesting credit card signup bonuses is one of the quickest ways to accumulate travel miles and points. The bonuses typically require spending some minimum amount--usually $1k to $5k--over some time…
Travel rewards harvesting (travel hacking) has become one of our favorite hobbies. We enjoy the strategy of deciding which credit cards to open, when to open them, and how best…
Credit card travel reward harvesting has become one of our favorite hobbies. The return on time and money (normal spending) is phenomenal, and once you adopt a system (which I…
Disorganization was one of the biggest hurdles we overcame when starting to pursue financial independence (FI). Maintaining our existing personal and financial responsibilities was cumbersome; digging in deeper to optimize…
Do you travel a lot for work and use various rewards programs? Do you open travel rewards cards to harvest the signup bonuses? If so, managing your travel rewards can…