Market Independence: Why a High Savings Rate is Critical to FI Success

In the Financial Independence community, there’s a lot of talk about one’s savings rate (SR). People argue about how to calculate it, how to compare it, and the best ways to improve it. But, I don’t think there’s enough attention given to one of the best consequences of having a high SR: market independence. In … Read moreMarket Independence: Why a High Savings Rate is Critical to FI Success

The Five Stages of Tax Refund Enlightenment

Ah, tax season. It’s my favorite time of the year as it’s a great opportunity to assess my financial standing from the previous year, as well as plan ahead for the year ahead. Plus, it usually brings a cash infusion in the form of a tax refund! Who doesn’t like getting money, right? As I’ve … Read moreThe Five Stages of Tax Refund Enlightenment

Monthly Financial Snapshot: January 2019

This was an interesting month. The stock markets seem to have regained their confidence this month and have rewarded investors accordingly. In January alone, the total US market returned about 8.7%, and the non-US market returned about 7.5%. Meanwhile, between October and December of last year, the total US market declined by 14.8% and the … Read moreMonthly Financial Snapshot: January 2019