Recent Posts

How Do You Spend 168 Hours in a Week?

How Do You Spend 168 Hours in a Week?

How do you spend your time? How should you spend your time? These are questions we think about every now and then, and they’re questions we think about more often as we grow older and realize we have less and less time on this earth. […]

The Life-Changing Magic of KonMari – How to Minimize and Make Money

The Life-Changing Magic of KonMari – How to Minimize and Make Money

Most of our blog posts written thus far have been about becoming financially independent by saving money. But in our path to becoming financially independent, we discovered a way to minimize our possessions, make money, and save money two and a half years ago. And […]

Get Credit Card Points and Free Plane Tickets Using Your Friends’ Spending

Get Credit Card Points and Free Plane Tickets Using Your Friends’ Spending

In honor of full transparency, we have a confession to make to our readers. We’re not good people. We are probably going to hell. If our friends knew what we were doing under their noses, they would probably Facebook unfriend us.     ::insert diabolical […]

What Higher Interest Rates Mean for Your Debt Situation in 2017

What Higher Interest Rates Mean for Your Debt Situation in 2017

Today, we have a guest post from Tim Harris. Tim is a recent college graduate and financial analyst from NYC. As he begins his career, he hopes to grow his online presence through sharing his knowledge around the internet.    Rising interest rates are upon us. […]

The #1 Retirement Killer in America? Lifestyle Creep

The #1 Retirement Killer in America? Lifestyle Creep

One of my closest friends also happens to be my coworker. We first met and became close as summer interns at the age of 21. We were getting paid decently well during that summer, and I remember the excitement we felt of having our paychecks […]

How to Calculate Your Personal Savings Rate

How to Calculate Your Personal Savings Rate

Today, we’re going to talk about the personal savings rate definition. Why? Because your personal savings rate is the single most important factor in achieving financial independence or early retirement.   What’s disappointing is that from the 1960s to the mid 1980s, the U. S. […]

The Top 10 Ways To Improve Your Happiness (ft. James Montier)

The Top 10 Ways To Improve Your Happiness (ft. James Montier)

Happiness. We all seek it. Few obtain it.   Mr. Money Sloths and I don’t go through every single day of our lives experiencing pure bliss, euphoria, and jubilation.   We have our difficult and frustrating days at work. Things in life don’t always turn […]

From Teaching English to Coding Software: How a Teacher Made a Career Switch and Changed His Life

From Teaching English to Coding Software: How a Teacher Made a Career Switch and Changed His Life

Mr. Money Sloths and I have always been very curious about coding bootcamps. We’ve worked through a few SQL, Python, and VBA courses online over the past few years and doing so has definitely helped with our careers. We wouldn’t call ourselves “coders” in fear […]

The Best Way to Save Money and Time: Unsubscribe.

The Best Way to Save Money and Time: Unsubscribe.

Think about your day today. Have you texted anyone? Have you checked your email? Have you opened up any social media apps on your phone… Twitter? Facebook? Instagram? Snapchat? Have you browsed any of your usual “go-to” websites?   If we asked you these questions […]

The Commencement Speech That Changed Our Lives – Mentally and Financially

The Commencement Speech That Changed Our Lives – Mentally and Financially

It’s graduation season. A cherished time when we celebrate friends, family, and loved ones who’ve worked extremely hard. As Mr. Money Sloths and I watched some of the great commencement speeches on YouTube in the past week or so, it reminded us of our favorite […]