The Financial Flu Shot: Using Bond Ladders

Take a moment to log into your investment account and write down the balance.  In late 2017, you probably feel pretty good about it if you have diligently saved over the years and participated in the long bull market that

Setting Up Your Bicycle as a Car Replacement

One of the first posts on this blog was How I Escaped the Car Clown Habit and there was a good reason for that.  Driving absolutely everywhere in a two ton metal box on wheels is fundamentally wasteful and irrational

Making Sense of Obamacare Open Enrollment

“I know that there are millions of Americans who are happy, who are content with their health care coverage — they like their plan, they value their relationship with their doctor.  And no matter how we reform health care, I

Spartan Moving 101

Simply selecting the “default option” that everyone else seems to choose can be a very expensive proposition.  In daily life, most people are creatures of habit and emulators of the people around them.  If your friends and coworkers eat out

Fifteen Years to Financial Independence

There are many aspects of life that seem to follow a general pattern:  What we know is good for us in the long run seems contrary to what we think is pleasant or pleasurable in the short run.  This is obviously