The most pressure I’ve ever felt was in the late summer of 2020. With a job offer in hand and twins on the way, I needed to finish my Master’s thesis. I was stressed about being able to provide for my family and overwhelmed by the undertaking of writing the thesis. Partly because of the stress, I had trouble motivating myself to write all day. Sitting down in front of my laptop and writing this…
Yesterday I came across a shocking article about TSP investors. With the recent bear market (of the past 6-8 months), TSP investors have been transferring their investments to the G Fund. This is exactly the kind of panic selling that I warned about in a recent post. Moving all your TSP investments from the S or C Funds to the G Fund right now is bad. If you are feeling the overwhelming urge to do…
I tried many different life hacks for decreasing phone use in the past. Deleting social media apps, putting the phone color into black and white, the list goes on. None of it really worked. There was always a work around. Willpower alone wasn’t enough to overcome the social engineering that drives smartphone use. But recently, I have made serious changes to how I use my smartphone. It didn’t take any life hacks. I only had…
Nobody can avoid the Expensive Month. You can be consistently hitting the same spending mark for half a year until it takes you by ambush. A car breaks down, an annual bill comes due, or something else requires repairs. Suddenly all your diligent savings seem to be for naught. It breaks up your rhythm, saps you of your frugal mojo. But I’m here to tell you that it’s going to be okay. The systems and…