Morning friends!

Having a great week over there? Month? YEAR??

All good and happy on these fronts… I’m healthy, busy (on things I want to be busy on!), and lately  – excited for a couple new possible projects that may be lurking around the corner. One with my old philanthropy buddy, Nate St. Pierre!

Gotta keep that brain active so it doesn’t turn into a prune 😎

I’ve also been enjoying being back at the blog again after accidentally taking half the year off.

Ponder the titles of these last two posts of mine and see if any look interesting enough to click! They’re both super helpful, but in completely different ways:

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I froze my credit and it was SO EASY! (And Free)

(Took under 15 minutes, and I share the three links you need to click on so you can promptly forget about it all and move on with your (hack-free) life too! Cuz ain’t nobody gots the time – or desire – to mess around with identity theft!)

You must begin from where you are

(A handful of inspirational one-liners from yoga that very much applies to finances too. And if you can believe it, it’s now been 1 year straight of doing yoga for me and I’ve literally taken over 250 classes in that time frame! Someone stop me!! ;))

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Lastly, the blog buying/selling game has been hot these last couple of months, so I’ve been busy connecting people and helping make some fun deals.

If you’ve ever thought of scooping up a blog or financial biz to expand your portfolio (or you’re looking to sell one!) hit me up and we can discuss. You can also sign up to my (free) private buyer’s list where you’ll get notified any time a new blog or financial biz from the community comes on the market: Blogs For Sale

We’ve currently got two sites looking for a new home:

• YoungFinances.com ($7,500) – a 14 y/o personal finance blog
• Emancipare.com ($99,000) – a boutique financial planning business

DM me for more info!

Other favorite reads from around the community this month down below…

Thanks for reading! Let me know what you’ve been up to lately! :)

XOXO,

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Favorite Reads From Around the Community:

Don’t Give In To That First Desire via Darius Foroux — “Benjamin Franklin, one of the founding fathers of the United States, once said something that helps with managing our first impulsive desire: ”‘Tis easier to suppress the first desire than to satisfy all that follow it.” This is a timeless truth about human nature and how we’re constantly pursuing our first desire. ”

Why I Have a Secret “Classified” Email Address via Wallet Hacks — “The United States Government has classified and unclassified systems and the basic premise is that the two shall never meet. Sensitive and important information lives in the classified world. Less important, less sensitive information lives in the unclassified world… This is what I do with my email system.”

AI That Works: How To Build A Youbot via Nate St. Pierre – “A Youbot is a personalized AI assistant that functions as a supercharged extension of yourself.  It’s built to understand your background, your goals, and your needs already in context, so you don’t have to explain everything every time you need help. Youbots are designed to work with the same kind of background information that anyone close to you would already know, but they bring that information into the conversation instantly, and at a much larger scale.” [This is a project by my bestie who I might be partnering up with to expand this! AI is here to stay no matter how anyone feels about it, so why not harness it to improve your life?]

Build a Personal Monopoly via David Perell — “When you build your Personal Monopoly, you say yes to playing a worldwide game that most people don’t even know exists. Forge a distinct path instead of copying what everybody else is doing. Work on ambitious projects, study the unexplored intersections of ideas and find the questions that people are asking but nobody is answering.”

A Smartphone That Can Charge Itself From Sunlight via Tech Radar — “Imagine a world where your smartphone charges itself simply by being exposed to sunlight, with no cords or power outlets required. Researchers have long sought ways to integrate renewable energy into everyday objects, and this futuristic vision is now closer to reality, thanks to a breakthrough that could potentially allow devices to charge directly through their screens.” [Hat tip AGaiShanLife.com]

On Becoming Who You Are via Nate St. Pierre — “If I can give you a piece of advice that’s resonated with me over the years, it’s to never be afraid to be who you are. Don’t do what everyone else is doing just because you think it’s expected of you or because you’re afraid of being judged. Be your authentic self, believe what you believe, love what you do, and you’ll find your life’s work along with your community of kindred spirits.” [Two articles from the same person today! But I couldn’t pass it up – goes in line so much with the theme of building your own personal monopoly 💪 (Plus it just gave me all the feels)]

Shaq on Being Blown Away by Investing in Ring via Moneywise — “Despite being a multimillionaire, NBA legend Shaquille O’Neal balked when a private contractor quoted him a staggering $80,000 to upgrade his home security. Instead of paying up, Shaq did what most of us would do — he opted for a DIY solution. He headed to Best Buy, bought a set of Ring security cameras, and took matters into his own hands. “I hooked it up myself…”

Metric-Less Success via More To That – “Traditional success will get you on magazine covers, but metric-less success will get you on family albums. While society as a whole worships quantifiable success, what will ultimately matter most to the individual is everything that can’t be counted.”

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Juicy Blogger News:

• Darcy at We Want Guac reaches $500k net worth!
• Financial Mechanic hits 2 years of early retirement
• Accidentally Retired hits 4 years of early retirement
• A Purple Life also hits 4 years of early retirement!

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Poem of The Month:

Wild Geese, by Mary Oliver

“You do not have to be good.
You do not have to walk on your knees
for a hundred miles through the desert repenting.
You only have to let the soft animal of your body
love what it loves.
Tell me about despair, yours, and I will tell you mine.
Meanwhile the world goes on.
Meanwhile the sun and the clear pebbles of the rain
are moving across the landscapes,
over the prairies and the deep trees,
the mountains and the rivers.
Meanwhile the wild geese, high in the clean blue air,
are heading home again.
Whoever you are, no matter how lonely,
the world offers itself to your imagination,
calls to you like the wild geese, harsh and exciting—
over and over announcing your place
in the family of things.”

[via Financial Mechanic]

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Pic of The Month:

[Great reminder to be careful of what you’re chasing!

Snagged from The Belle Curve]

Have a fantastic weekend ✨

// Robot pic up top by Nate St. Pierre – made with AI!

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Good morning, coin lovers!!

Especially those coin *collecting* lovers! ;)

I just got a new collection to inventory and evaluate (WOO!!!), and inside it I found that bad boy above just waiting to be brought into the light of day again. After 300 years of being passed around – and through some pretty TOUGH times from the looks of it! – it’s now settled at the bottom of an old raggedy bag just wishing it could be useful again, womp womp…

And unfortunately, just like modern coinage it probably never will be 😢

But… At least for today, we can show it some love by clicking over to my coin collecting blog to learn all about it!! That’s right – I have a coin collecting blog too!

CoinThrill.com

Fun Fact: The more you click the happier the coin gets!

Fun Fact II: If you have any coins yourself that you’d like to learn more about and/or sell, I offer coin evaluation services so just give me a shout and I’d be honored to serve you too. 🙌

In other news, I have two new blog posts on BudgetsAreSexy! I’ve been a writing machine!! ;)

The first was pulled from a recent interview I did on early retirement – and specifically on what to watch out for before jumping in – and the other is a new giveaway going on right now of a gaggle of new money books that have recently hit the shelves…

You can find both new blog posts here:

3 Things You Should Never Do in Retirement

6 New Books on The Scene! [GIVEAWAY]

And as always, you can scroll below for some other great articles I’ve found around the community lately! Thanks so much for being here all these years! 🖤

I launched this newsletter back in November of 2018, and it’s been a fun outlet and extra way for me to connect with y’all so hopefully you’ve been enjoying it just the same :) And if not, all you gotta do is click that “unsubscribe” button at the bottom of these notes! I won’t hate you too much for it!

See ya back here again soon,

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Favorite reads around the web:

ProjectSkydrop.com — “Project Skydrop is a real-world treasure hunt. A precious object, made of 10 troy ounces of 24K pure gold, has been placed somewhere in a circle that starts out 500 miles in diameter. Over the course of three weeks, that circle shrinks day-by-day. At the end of the hunt, the circle will shrink down to a single foot, pinpointing the exact treasure location.” [It just launched YESTERDAY and ends on October 10th!! So lots of time to enter if you’re interested!! I want to hear all about it if you do, please! :)]

The Anonymous and VERY happy $500 Million Man via Noah Kagan — “Last week, I met someone with a net worth of $100m in cash. He has 0 social media, and you wouldn’t recognize him on the streets… That’s the fascinating part about wealth, most of our stories and judgments about it are wrong.”

How to Track Your Net Worth (ft. my FREE Net Worth Tracker) via Of Dollars and Data — “Do you know your net worth? How often do you check it? If you have found it difficult to track your net worth over time or you don’t track it at all, then this post is for you.”

The Best Interest Rates on Cash via My Money Blog — “Here’s my monthly roundup of the best interest rates on cash as of September 2024, roughly sorted from shortest to longest maturities. There are lesser-known opportunities available to individual investors, often earning more money while keeping the same level of safety by moving to another FDIC-insured bank or NCUA-insured credit union”

My Barista FIRE Net Worth Reveal: How Much I Had When I Semi-Retired at 36 (And Now) via Julie B. Rose — “I’ve been a travel, finance, and nomadic lifestyle blogger for YEARS, but I’ve never publicly or broadly revealed (only alluded to) my early retirement / Barista FIRE numbers. While withholding this over the years may have protected me from ill-intentioned suitors looking to take advantage, I realize it may have erstwhile been a disservice to some of my readers.”

What could be the world’s most expensive coin collection is going up for auction — after being banned from sale for a century via CNN — “People who are exclusively devoted to their business make a great mistake. I, for one, could never imagine thinking about nothing but butter until my dying days.”

Financial Confidence is the New Financial Independence via Retire Before Dad — “While financial independence remains a desirable goal, it can seem distant or unattainable for many. It can also be elusive and come and go as the market fluctuates. On the other hand, financial confidence is an achievable state of mind for anyone willing to learn, implement best practices, and continuously refine their knowledge.”

Stop Protecting Your Old Self (The Real Root of Procrastination) via Darius Foroux — “I have often wondered how it is that every man loves himself more than all the rest of men, but yet sets less value on his own opinion of himself than on the opinion of others.”- Marcus Aurelius

Time Is Precious: Rekindling Relationships Is Now a #1 Priority via Route To Retire — “You can’t stop the bad things from happening to those you care about. It’s pretty straightforward – the longer you live, the more you’ll start to see others you’re close with start to disappear. That’s the circle of life and you can’t prevent it. What you can do though is regroup more often with those people you care about by working on rekindling relationships.”

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Clips that got me thinking:

“Each year since 2011, Gallup has asked people what they think is the best long-term investment. After a brief love affair with gold, real estate has been in the top spot every year since 2013. Stocks are a distant second.” – A Wealth of Common Sense

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“Goodbye, physical US savings bonds! Per this TreasuryDirect announcement, the US Treasury will no longer allow to you to buy an additional $5,000 in paper Series I savings bonds each year with your tax refund, effective January 1st, 2025. (If you haven’t filed your 2023 Tax Year returns, you can still get them with your late filing by October 15, 2024 using IRS Form 8888.)” – My Money Blog

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“Legacies are overrated. Don’t believe me? Ask the Sumerians. They lived in what is now Iraq between 4100 and 1750 BCE. Sumerian accomplishments include but are not limited to Developing one of the world’s first writing systems, Inventing the wheel, Urbanization, Building massive Temples, and developing Mathematics, Astronomy, and Legal Codes. I defy you to find more than one in a thousand people who could give you a detailed description of this great civilization… Keep this in perspective, and for God’s sake, stop taking yourself so seriously!!!!!” – A Teachable Moment

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“The purpose of a gift is to show love. Once a gift has been given, its purpose has been served.  In a healthy relationship, holding on to that item doesn’t make you any closer to or loved by the giver. Your relationship with a person is not held in a physical possession. Nor is it strengthened if you begrudgingly hold on to the no-longer-needed things they’ve given you.” – Rich In What Matters

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“Personal finance experts hate debt. I don’t share that view. I’m not of the opinion that every big purchase in your life has to be made with cash. Debt in and of itself is not bad. Debt is like a hammer. It can be used to both build and destroy. The intelligent use of debt has brought far more flexibility to my financial life.” – A Wealth of Common Sense

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“How would you change your life if you knew you had just a year or two to live? I’m getting the chance to answer that question, and I consider it a great privilege.” – Humble Dollar

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Pic of the week ;)

[Me neither, Gordon… Me neither..]

Happy Weekend 🙌

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Hi friends!

Remember me?? Your on and off again budgeting boyfriend?

It’s been a minute, but I’m back in action and ready to have some fun again :) Too much yoga and volunteering made me forget about this whole internet thing! Haha… I’ve also been immersed in way too many ridiculous challenges, like:

• Not having coffee for 123 days straight (!!!)
• Not having alcohol for 101 days (what?)
• Meditating every day for 31 days (the best)
• Standing upside down every day for 21 days (the silliest)
• Not applying ChapStick to my lips for 77 days – because I’ve been addicted for 20+ years and don’t even know why as my lips have been perfectly fine without it!
• And my current challenge: only using my smart phone for communicating and not scrolling the interwebs – 50 days in a row!Though I’ll admit I have slipped once or twice when I just HAD to google a random fact that didn’t change my life in the least, lol….

So I’ve been active! Just keeping myself busy in other – offline – areas these days :) If you’d like to read more (I swear it’s not just to deprive myself of the luxuries of life!), check out my latest blog post here:

Challenge Mode Activated ✅

I also penned a fun poem for a friend’s site the other week, which you can read here if you’re into such things:

What Wealth Means (To Me)

Lastly, I’ll also showcase some of my recent podcasts down below, as well as my favorite articles I’ve read lately in the hopes it might inspire you a little… Which is really the whole point of this newsletter and anything else I pass over to you really…

None of this stuff is about ME, it’s about YOU! 

I share things through personal experience, but that’s because it’s the only way I really now how. So hopefully it all comes across okay… Contrary to what one Super Fan once said, I’m really not a “bragging c*nt who is rich and should talk less before the rest of us kill and eat him.” lolol…

Hate mail at its finest 😂

At any rate, thanks for reading and subscribing over the years! I hope you’re doing well and would love to hear what you’ve been up to this year! Hit “reply” and lemme know!

Yours in money, and all things life hacks (just please don’t eat me),

That’s not my dog up top but isn’t he cute???! Teacup Doodle my mother recently adopted – he’s only a foot long! 🤗 

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Recent Podcasts I’ve Been On:

Fit Rich Life: Budgets Are Sexy, Blogging, Making Money Online, Building an Ideal Lifestyle & More — Justin David Carl and I chat about making money online, creating the ideal *lifestyle* (more important than the money!), mohawks (his is pretty cool!), overcoming sickness, and more.

Mindy on Money: Life After FI (With A Working Partner) — “J. Money from Budgets Are Sexy talks about financial independence, unexpected sickness, and navigating early retirement with a working partner.” (Basically – is my wife cool with me doing yoga and playing around all day long while she works??? 😂)

The Get Ready Money Podcast: Live The Life You Want — Tony Steuer and I hop on YouTube and discuss:

• Focusing on your dream lifestyle and what makes you happy
• Realizing that the less you spend, the less you need to earn!
• Being more conscious with your money (and tracking where it all goes!)
• Setting up simple systems and considering minimalism.

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Favorite Reads Around The Web:

The C Word via Humble Dollar — The saddest, bravest, article I’ve read in years… Jonathan Clements shares to the world that he has cancer and doesn’t have much longer to live :( But until the end will be blogging his heart out and sharing what he’s doing to wrap up a long, beautiful life… I can’t stop reading every last article of this because they mean so much MORE knowing they’re some of his last!! Gosh…

Creating From Lack vs Creating From Love via George Poulos — “Pinning our self-worth to an uncontrollable outcome—namely, how other people will respond to our work—we strap ourselves in to a painful emotional rollercoaster of highs & lows.  We are lost.  But there’s a much better way.  It’s to create from love.”

[I started following George’s stuff cuz he’s a rad skateboarder and films himself doing all kinds of cool tricks in various parks… Then he started sharing thoughts on life in general, especially around creativity, and now I’m even more hooked on him. It’s a fun deviation from $$$ blogs all the time!]

How to Declutter Books: 2 Methods to Minimize Your Collection via Rich in What Matters — “Minimalism has shown me that a book is like your favorite coffee… You sip it, you enjoy it, you consume it… and then you move on. The mug doesn’t come home with you. You’ve already ingested its contents; its purpose has been served. The same goes for a book: you read it, you consume its contents, and then you pass it on.”

How J. Money’s Finance Blog Made Him a Millionaire via Flip My Site — “Many people start blogs and other online businesses with dreams of becoming millionaires. Today we have a story featuring an “accidental entrepreneur” who started a blog for fun and accountability, but ultimately became a millionaire when he sold the blog 11 years later.” [Had to plug this, sorry ;)]

Push The Fence via Raptitude — “You can start with as little as five minutes and build up your capacity for patience, over time. Start by saying to yourself, “Okay, for the next five minutes I won’t allow myself to be bothered by anything. I’ll be patient.” What you’ll discover is truly amazing. Your intention to be patient, especially if you know it’s only for a short while, immediately strengthens your capacity for patience.”

Beware the Dopamine Cartel via Retirement Manifesto — Fritz shares his concerns over what social media is doing to us all (hint: it leads to depression!), and includes a passage of mine relating to my No Phone Scrolling challenge… Along with one of my favorite tips for looking at your phone less: wearing a watch!

100 Ways to Slightly Improve Your Life Without Really Trying via The Guardian — “Whether it’s taking fruit to work (and to the bedroom!), being polite to rude strangers or taking up skinny-dipping, here’s a century of ways to make life better, with little effort involved…”

Hope: The Most Valuable Commodity via Femme Frugality — “Sure, money can solve problems. But it’s not the paper itself that makes life easier to live. It’s what’s behind that paper. It’s the belief that we can do better for ourselves. It’s the belief that the stressors in our lives will find relief. It is hope.”

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Favorite [Short] Movie Lately:

What’s Inside This Crater in Madagascar? [YouTube]? via Vox — This was so SO fascinating!!! I was glued the whole time and love that you actually get an answer in the end unlike some documentaries… (Also funny as hell the random things humans feel the need to solve!! ;)) Shout out to Apex Money for finding this gem.

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Have a blessed day 🙌

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Morning, friends!

Happy New(ish) Year! Finally getting used to writing “2024” on checks and coming to terms with being a year older now…

OK just kidding – I haven’t written a check since 2014! 🤣

I did finally remember to tell you about a new project I created though! It’s called “I Met You Today“, and I just blogged about it over at BudgetsAreSexy:

A New Project To Say “Thank You.”

It’s the first time my friend (Nate) and I built something for a single person instead of the whole *world*… But it’s been great so far! Check it out and let me know what you think!

I was also recently on a podcast as well if you miss hearing my voice*:

From $60k to Millionaire – Money O2

In other news, I’m still flowing/veggie drinking/yoga’ing and all that other good stuff! I think after a handful of months they can all now officially be called “habits” – woo! The power of compounding actions!! Gotta get them going and then it’s just *one day at a time* from there!

And hopefully your string of days are treating you great as well :) If I can ever help with anything, just let me know! I got plenty of room for coaching or brainstorming or just talking with an online friend this month. You know where to reach me 👊

Your friend in money (and life),

*Remember when I had that podcast for approximately 2.3 months?? Crazy to think that was almost 10 years ago now, but awesome to see Paula still doing her thing and killing it! You can hear any of these old shows here if you’re ever feeling nostalgic or missed them the first go around: budgetsaresexy.com/podcasts (midway down the page)

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Favorite Reads Around The Web Lately:

Activity Spinner @ Ghotib — “I am a creature of habit. Work, sleep (sometimes), eat, waste time staring at screens, etc. So once in a while, I like to motivate myself with a dose of randomness. And putting anything into the context of a game makes it more palatable for me too. :) If you too want to shake things up, whether as part of a New Year’s resolution, or just to keep life from getting mundane, you may enjoy this game.”

My Biggest Investing Takeaway For 2023 @ 1500 Days — “VTSAX goes up and to the right mostly because of productivity increases. AI will be the biggest generator of productivity the world has seen… AI is a really great reason to pursue financial independence! That computer or robot can’t take your job if you don’t have one!”

The Surprise Rise of Excel Esports (and How It’s Wowing Fans) @ INTHEBLACK — “Did you know sports TV network ESPN broadcasts Excel Esports? It’s a fast-paced, battle-based competition that pushes participants’ spreadsheet skills to the limit.”

The Best Gift-Giving Advice I’ve Ever Received @ Small Potatoes — “Buy a special version of an everyday thing.” (h/t Apex Money)

100 Ways to Slightly Improve Your Life Without Really Trying @ The Guardian — “Whether it’s taking fruit to work (and to the bedroom!), being polite to rude strangers or taking up skinny-dipping, here’s a century of ways to make life better, with little effort involved …”

The Stock Market is Our Mona Lisa @ A Wealth of Common Sense — “I don’t know if we’re going to be able to keep this up but the stock market is one of the more impressive structures ever built.”

Migrating from Mint to Credit Karma: It Was Not Good @ My Money Blog — “It’s still early (Mint doesn’t shut down until March 2024) but don’t migrate to Credit Karma if you think it’s going to give you the Mint experience. It’s not. It’s very very far from Mint and so if you migrate now, you will be in for a shock. I think it will take a few months for various features to get pulled into Mint (if Intuit is serious about Credit Karma being a Mint successor) but if this is its final form, you need to look elsewhere.”

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Hope you found some gems! 💎

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Good morning friends!!

Happy December 16th! Exactly 10 days away from my birthday, and 9 from someone else’s ;)

Fun Fact: I was actually *supposed* to be born on the 25th, but being the nice guy I was I let the Big Guy have it all to himself and forced my poor mother to continue laboring for an additional 7 hours on top of the already 20 just to be in the clear. So now we have one world-renown day on the 25th (Happy early bday, JC!) and another one back to back on the 26th (Happy early bday, J$!)

So yeah, it’s always one very festive season around here! And I do hope you have a merry one with you and your loved ones this year! 🎄

Whenever you need some good down time, pull up one of these hand-picked articles below and get refreshed all over again… Just doing ONE of any of the tips listed here has the power to change your 2024!! Life is still so full of opportunities for us! We just gotta keep on being *open* to them!

Will see ya around here again shortly… Until then, be safe, be merry, be sexy!

PS: That Santa painting up top was my very first piece of “art” I ever bought, back in the Love Drop days if any of you are still around from back then? Spent $300 on it and get to bring it out every year to enjoy!! Much to the dismay of my wife who thinks it looks awfully depressing, haha… I think he’s just pondering a well lived life! ;)

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New on Budgets Are Sexy:

The Bingo Sheet 💰 — A savings game that nets you an extra $1,000 in the new year! Plus: a fun basketball challenge I dare you to play with me ;)

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Favorite Reads From Around The Community:

12 Financial Challenges You Could Try in 2024 @ Becoming Minimalist — “#2. The Single Dollar Saver Game. Every time you receive a $1 bill in 2024, no matter where it comes from, set it aside… you might be surprised how quickly those random singles add up over the course of a year.”

How a Simple Idea Turned Into a $50k a Month Side Hustle @ Side Hustle Nation — “Lou Rice was breastfeeding her son Archie one night when disaster struck—she dropped her Kindle on his head!… It sparked an idea for Lou and her husband Ben to create a solution. Ben fashioned a silicone strap with staples to attach Lou’s Kindle to her hand and prevent any future dropping incidents… With that, strapsicle.com was born—a side hustle now generating over $50k a month selling innovative Kindle straps.”

How Much Income is Enough? $20,000 A Year More Than You Have Now @ My Money Blog — “Don’t just wish for more money, examine the money that you already have from the perspective of someone who is wishing to be you.”

If More People Did Money Like They Play Monopoly, They’d Be a Lot Better Off @ The Escape Artist — “Imagine playing Monopoly and never buying any assets or investments that generate income. Imagine you just went around collecting $200, giving your money to the rich, and trying to stay out of jail. That is how most people live their life.”

Five Timeless Life Lessons from Seneca @ DariusForoux.com — “Value your time more than your possessions. Unlike material possessions, time is something we can’t get back once it’s gone. It’s essential to use it wisely, prioritizing meaningful activities and relationships over trivial matters.”

The Secret to Being Rich Is to Not Buy Anything @ The White Coat Investor – “Morgan Housel is famous for pointing out that everyone says they want to be a millionaire, but what they really mean is that they want to spend $1 million, which is precisely the opposite thing. You become a millionaire by NOT spending the $1 million that you could have spent.”

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Thanks for another great year! 💙

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