What Would Your Younger Self Say to Your Present Self?

“Waking up to who you are requires letting go of who you imagine yourself to be.” – Alan Watts I’ve read many posts asking what advice you would give your younger self if you could go back in time. When it comes to personal finance, many people might tell their younger self to not live […]

Strive for FI or Take it Easy?

One topic that I’ve been obsessed about is the concept of reaching financial independence (FI) at an early age. It’s not about not working. It’s about spending time doing things that you want to do with your time. One obstacle that I face is that I live in a high cost of living city in […]

The Pension: My Golden Handcuffs

Working in government for New York State, I am fortunate to have very good benefits. One of the benefits is having a pension plan (defined benefit plan). All of my co-workers talk about their retirement date in terms of how old they are and how many years they have in the “system.” It has nothing […]