I spent too much time early in my career trying to beat the market. I read a bunch of investment books and scoured the internet for trading tips. After all that work, my results were only mediocre. I wanted a to find a shortcut – investments that would make me a millionaire overnight. But more risk does not always come with more reward. I’ve found that the best way to invest is with a boring, yet highly effective and efficient Three Fund Portfolio.
I’m enjoying a cup of tea while the sun warms my face. I just got a comfortable new office chair and desk. The desk is small, spartan, minimalist, everything I wanted. I set it up in front of a big window. Now I can lean on my desk, propping my chin on my palm, and stare out the window contemplating life. It’s the perfect setup for my home office. I can roll the chair around to grab my guitar, or a snack, or a beer, or to blast some tunes on the stereo. I got this this desk for free with the same technique I use to get the best price on anything.
The stock market is going to crash, but I’m prepared because the last time I learned the hard way. It was March of 2009, we were in Hawaii and the stock market was on a tear. We had rented a house on the eastern side of Oahu where we could snorkel and kayak from our backyard. And after a year of heavy losses the stock market crash was finally coming to an end. Everything was right in the world, but I was feeling ill – I had just realized my worst financial mistake. Continue reading
Love is something we can’t buy or sell, yet it’s one of the greatest gifts we can give and receive. Getting married is an affirmation that two people love each other so much that they want to spend the rest of their lives together. There is a lot of meaning behind a wedding, but there can also be massive expenses. I’m lucky to be married to my best friend, and we share many of the same values. For both of us, a huge wedding wasn’t what we wanted. In fact we only spent $20 getting married, and Mrs. CK wanted to share the story of our simple ceremony.
We do a fair amount of traveling. Travel costs were our second highest expense last year – at over $7,000, it was 18% of our $38k spending in 2016. This year, we mean to put a serious dent in those numbers through more extensive travel hacking. So far, we’re off to a good start. We booked a 9 day all-inclusive vacation to Jamaica – and we didn’t pay a dime for it.
There were a lot of changes for us in 2016. Half way through the year, I quit my job, drastically cutting our income. At the time, we decided we were financially independent if we could spend less than $40k a year. But then we started to travel a lot more, spending over 2 months on the road exploring Colorado, New Mexico, Nova Scotia, Maine, and Costa Rica. I was also in a wedding and went to Montreal for a bachelor party while Mrs. CK enjoyed a weekend at the spa. We went sailing, fishing, hiking, biking, and ate and drank like kings. Overall, I think we have been living pretty damn well, but what did it cost us?
In the days leading up to my last day at work, I felt a sense of excitement that I hadn’t experienced since middle school. I started working when I was 14, and since then have rarely had more than a week off from one job or another. But I do have memories of being in middle school and anticipating the summer. The weather would start to warm, and in the last few days of school, our excitement grew and the teachers became more relaxed. Summer break seemed like an infinite amount of time off as a kid. This past May, I felt like that kid again. It was getting nice outside, I was getting more excited, and work was getting more relaxed.
If there’s one place I get the best deals, it’s Craigslist. When I’m looking for new toy, I always check there first. In most cases, you can get stuff for half of what they cost new. Not only that, it’s also a great place to get rid of your junk. After creating an ultra efficient fridge to house my beer, I was able to unload my old kegerators for $1000 – pretty close to what I paid for them. These were just a couple of the items I’ve sold. Over the past few months, I’ve made over $2000 selling stuff I wasn’t using anymore.