Choosing a Credit Monitoring Service: Credit Sesame vs. Credit Karma

Originally Published By Ryan Luke / October 12, 2020 As a personal finance enthusiast, I try to stay on top of the latest trends and topics related to debt, credit, and other important money management topics. For this post, I signed up to compare Credit Sesame vs. Credit Karma to see which was more beneficial and whether one was a waste of my time. Knowing … Continue reading Choosing a Credit Monitoring Service: Credit Sesame vs. Credit Karma

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?

Personal Finance Books: Game Changers

Sometimes a little shift in your mindset or a new perspective is all you need to unlock a new level of motivation and success. These are in our opinion the best personal finance books, considered absolute must reads if you are looking for the knowledge and perspective necessary to achieve financial freedom in the quickest and least painful way possible. Which is what we are … Continue reading Personal Finance Books: Game Changers

Ridiculously Useful Stuff

MINIMALISM Our take: Minimalism. In some, the word conjures a visceral negative reaction, others take for the hills upon hearing it. We do not believe a strictly minimalist lifestyle is for everyone, however the lessons and concepts can, and should, be considered and utilized to some extent by everyone. Minimalism is about being thoughtful about why it is we are so tempted to compulsively purchase … Continue reading Ridiculously Useful Stuff

What Does Financial Independence Mean?

Many of our posts at the Free Times are about how you can achieve financial independence faster. But have you ever really stopped to think about what financial independence even means? You might be thinking, my parents are retired. They seem bored. Why would I want that? Well, we are here to explain why everyone should want to achieve financial independence even if you are … Continue reading What Does Financial Independence Mean?

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?

When will I be able to retire?

First things first. We are throwing out the notion that you are “supposed” to work for 40+ years then retire at 65. Doing so is perfectly fine, and many have found fulfillment and financial success that way. But it shouldn’t be the default. While there is no inherent problem in working for someone else your entire career, and retiring once you are eligible for social … Continue reading When will I be able to retire?