How has the Tech Start-Up impacted you?

Robinhood has taken the investing world by storm, democratizing individual investing along the way. Much has been written about Robinhood‘s potentially irresponsible tactics of luring inexperienced traders by pushing complex financial products with dopamine inducing bursts of confetti and fun emojis. See here for a solid article detailing this phenomena. But we are going to assume that’s not you. You don’t get lured into making … Continue reading How has the Tech Start-Up impacted you?

expensive watch

Expensive Watches Are a Waste of Money

Expensive watches are a waste of money First off, I realize we’ve ruffled some feathers here so allow me to explain. After all, Is buying that Patek Philippe, or that Rolex watch really going to make such a big impact on your financial situation by the time you retire? You’ve got years and years until you are going to need to retire anyway right? We … Continue reading Expensive Watches Are a Waste of Money

How Much is Your Coffee Habit Really Costing You?

Coffee is America’s psychoactive drug of choice. Drinking it can be a habit that comes so naturally that you couldn’t imagine life without it. After all, how else could you get through your day? However, how much is your coffee habit really costing you, from the perspective of lost free time? You’ll Still Get your Coffee… Don’t worry, we aren’t suggesting you never drink coffee … Continue reading How Much is Your Coffee Habit Really Costing You?

Sticky post

The Free Times Framework (FTF) for personal finance decisions

One way to define financial freedom is the following: the ability to do absolutely anything one desires with ones time, while simultaneously meeting all financial needs. Sounds nice doesn’t it? The Free Times Framework (FTF) is a way of thinking designed to help get you there faster. At the Free Times we do not believe life is best lived penny pinching at every turn, so … Continue reading The Free Times Framework (FTF) for personal finance decisions

Free Time Calculation

As promised, we wanted to provide detailed information regarding how we arrive at the Free Time metric that will appear in many of our posts. As a reminder, this post will show you the purpose this calculation is supposed to serve (TLDR; a new and improved retirement calculator). First things first, while we will generally report one metric for each scenario, Free Time will be … Continue reading Free Time Calculation

Ben and Jerry’s vs. Breyers

We love Ice Cream! Easily in the top 3 desserts, no question. Tell us in the comments what your other top two are! We love the good stuff and definitely don’t want to skimp on such an important piece of any fine meal. But will splurging on the good stuff be worth it in the long run for all of you personal finance heroes out … Continue reading Ben and Jerry’s vs. Breyers