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The Fallacy of Corporate Slavery
One of the most insidious, counterproductive, and also pervasive ideas in our thriving culture of victimhood is the fallacy of corporate slavery. Adherents to this ideology insist that corporations...
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My Retirement Draw-Down Plan
A lot has changed in the year and a half since I published my early retirement draw-down plan titled Un-Making a Millionaire – It’s Time to Spend, in July 2019. At that time I had reached a minimal...
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Early Retirement – The First Two Months
The Dawn of Early Retirement? The sense of time in my last post may have been a bit misleading. I wrote most of the article just a couple of days after I was laid off, but a month and a half passed...
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Laid Off
Fired I woke up Monday morning to a Zoom invite with my divisional vice president and a human resources representative. My company has been in the process of reorganization for months, and they have...
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How To Get Rich
On the banks of the Volga River Most people want to be rich. A smaller portion of those actually want to get rich. If you are one of the enlightened few who are willing to actually do the work of...
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But, I Can’t Afford to Save for Retirement.
Staying Afloat If you are in our twenties you have plenty to keep you busy – starting a career, paying off debt, trying to look successful, enjoying whatever youth you have left. I get it. You’re...
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It’s Easier to Be Rich If You Don’t Have to Look Rich
That Looks Rich. Wealth is a fascinating paradox. People who look rich, especially those who really care about looking rich, usually aren’t actually rich. On the other hand, as we learned from The...
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Equality and the Stock Market
Some people are more equal than others. The stock market gets a bad rap. Last week it was Alexandria Ocasio Cortez tweeting that the market’s record highs are “inequality in a nutshell.” Sadly, this...
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Freedom Is Not for the Faint of Heart
Freedom and Independence The US senate has proposed new legislation, the HELPER Act, which is designed to give people more freedom and choices in how they pay off their student debt. In simple terms,...
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What Is a Perpetual Money Machine?
Perpetual Money Machine What if you had a machine that could legitimately produce all the money you need to meet all of your expenses forever – a perpetual money machine? How would owning such a...
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Uncle Sam Wants You For FIRE.
Uncle Sam: “I want you for FIRE.” Government sets tax policy in an effort to influence our behavior. In general, when they tax something, they get less of it. When they subsidize something, they get...
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Your Fortune uh, Waits? or…
No, everything’s not going to work out – unless you get to work. Your Fortune Awaits. Work is noble and a necessity of life. But work is just a means to an end, not the end in and of itself. You...
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How to Invest a Million Dollars
An avid reader of the Perpetual Money Machine blog wrote in last week to ask the following question. Say you are 40 years old, you have one million dollars cash. How and where you should deploy your...
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Your Advisor-Free Financial Plan.
Last week I explained that you are better off without a financial advisor, because advisors cost more than the value they provide. The purpose of this article is to provide a financial plan that you...
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Do You Need a Financial Advisor?
No, you don’t need a financial advisor unless you know nothing about personal finance and are unwilling to make the minimal effort required to learn the basic principles that will empower you to...
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Tough-Love Personal Finance
It’s time to put your finances in order. I’m going to come right out and say it. The economy is absolutely awesome right now. If you are not thriving, then you are the problem, not the economy, not...
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The Role of Charity in Personal Finance
Lessons of giving People who are interested in financial independence and retiring early (FIRE) obviously think differently from most people. I know I do. If you are reading this article, you...
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Autobiography – A drive Down the Scenic Route of My Life
My life as viewed from above. I originally wrote the following article for my friend, Cash Flow Cop, and his Humans of Finance series. It is one of my better pieces, because Cash Flow Cop made me...
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Making a Millionaire
I started this blog to help others become comfortable with personal finance and realize the peace and contentment that comes from financial security. My hope was that by sharing my own experiences...
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Why I Don’t Buy Lunch.
Brown-bagging my lunch enabled me to buy the house I wanted. Now it’s an easy habit that saves me time and money. I finished my university education and got my first “real” job in the year 2000. My...
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