No more cash drag

I’ve been updating our asset allocation and just got every dollar invested (this doesn’t include cash set aside in our emergency fund). It’s counter-intuitive and completely against my old way of thinking. You need cash so you’re ready to buy when things go on sale, right? It turns out that cash drag is one of […]

Bet on your gut, but be safe

96% of actively managed mutual funds don’t beat the market. If they can’t do it, with all their seasoned analysts, I’m not going to either. The clear path is investing in low cost index funds—which is why Warren Buffet will leave his wife in index funds. I’ve been working to update my asset allocation with […]

Work Late

Ideally, you have good systems in place and stay on top of your commitments. And when it’s time to turn off work and turn on the rest of life, you flip the switch. But sometimes there’s just too many open loops. If you leave now, you’ll be thinking about them all night. You won’t be […]

Clean the clutter

It’s said that you can tell the order of a person’s mind from the clutter on their desk (or desktop). A little time spent cleaning out the clutter can pay for itself in peace of mind and increased productivity.

Conquer the day

After having a kid, my morning routine went out the window. I’m usually up late getting her to bed, catching up with work, and spending time with Olga. Then, I sleep to the last possible minute (and maybe a few minutes longer). This morning, the sun was shining brightly through the window and something compelled […]

Long-term gains are hard to believe in

It’s hard to eat greens and meat when that crusty bread and melting pasta is calling. It’s hard to put your cash into a secure bond bond fund when the stock market keeps hitting all-time highs. It’s hard to give all your attention to the precious present when emails and news are flashing. It takes […]

Pick up free money

If you found a $20 bill lying on the ground you’d pick it up. We found $30 sitting right in front of our house. Our neighbors are moving and tossed out a Weber grill. We paid $100 for the same grill a month ago, so it caught our eye. It’s filthy and the grates are […]

Dare to dream

Have you ever felt like life isn’t in your control and you’re just getting by? It’s like being on the back of a two-seater bike, pedaling away, but the guy in front is driving. Maybe you’re there right now. I can’t tell you there a secret to making it easier to pedal. If there’s one, […]

How much money do you need?

I’m revisiting the book, MONEY Master the Game: 7 Simple Steps to Financial Freedom, which I first listened to in 2015. One of the most powerful steps in this book is to calculate the five levels of financial freedom: Financial Security: the cost of your basic needs (mortgage/rent, food, utilities, transportation, insurance) Financial Vitality: add […]

What’s the DEAL?

If you want a better life, there’s one principle that you can’t ignore: focus on what’s important. Tim Ferriss outlined a very simple approach to clearing the clutter from your life. Just remember the acronym: DEAL. Delegate. Can someone else do it? Then pass it on. Eliminate. Does it really need to be done? Then say […]