Can You Really Reduce Your Discretionary Spending Just By Installing an App?

10.22.2014
Can You Really Reduce Your Discretionary Spending Just By Installing an App?

If you’re reading Retire By 40 and other personal finance sites, then you’re probably looking for ways to improve your financial situation. The answer is really simple. Spend less Increase your income Invest for the long term However, the execution is another story. All these 3 things are hard to do and that’s why we scour personal finance blogs for inspiration. Well, today is your lucky day. I just read a UCLA study that shows how easy it is to reduce your discretionary spending by 15%. Actually, they looked at people who had installed the Personal Capital mobile app, and […]

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Retirement is Not The End Goal

10.20.2014
retirement not the end goal

The following article is from Melanie, our staff writer. Melanie is in the beginning phase of her journey to Financial Freedom and she’ll offer a refreshing point of view for us. Preparing for retirement may take a lifetime for some people, but it is not the end goal. Many people put the idea of retirement on a pedestal, as if that is the time when their life can truly begin. But retirement is merely a step in the journey of life. It’s not the end of the journey. It’s a start of a new one. Are you or someone you know […]

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5 things I don’t skimp on

10.17.2014
5 things I don’t skimp on

I’m back in Portland, our beloved city. I am beat! We made a little better time coming back from San Jose than going down. We left at 4:30 am and got here just a little after 6 pm. RB40 Junior did very well on the ride back. He slept a lot and only got crazy during the last 100 miles… He wanted to stop and play with the cows, but I really wanted to push on home. You can’t play with cows anyway, right? He was just very whiney in the last leg of the journey. As soon as he […]

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Would You Choose The Portland Lifestyle Over Wealth?

10.15.2014
Would You Choose The Portland Lifestyle Over Wealth?

Did you know that Oregon was the number one destination among people who moved from one state to another in 2013? I’m sure Portland is a big part of that because it’s been on many “most livable cities” lists in the last few years. Is Portland really a great place to live? Well, it depends on your priorities. If you like living in a city with a personality and many eccentric characters, then you probably would enjoy Portland. There are some downsides, of course. The biggest one is that the population is over-educated and under employed. It can be difficult […]

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