Mr. Clipping Chains, Author at CLIPPING CHAINS

October 19, 2020October 18, 2020

Relocation: A Guide to Moving and Housing Affordability

We’re out on the road in search of our next home, our sights set on home ownership once again. In this post we examine the complicated process of relocation and the sticky, tangled spiderweb of housing affordability. Is housing in America becoming less and less affordable?

In this post we discuss:

Costs to consider during relocation
Home price and income metrics to affordable housing
National trends on housing affordability
How much a retiree should spend on a home
Our process for evaluating relocation options
Ways to make housing more affordable

October 12, 2020October 12, 2020

Three Months on the Road: Pacific Northwest

We’ve spent three months on the road, mostly in the Pacific Northwest. From our origin in Colorado, we’ve journeyed through Wyoming, Montana, and now the lovely state of Washington.

Let’s review, shall we?

October 5, 2020October 4, 2020

Is Healthcare Insurance About to Get a Lot More Expensive?!

With the passing of Supreme Court Justice Ruth Bader Ginsburg, the nation is thrust into an unexpected and incredibly time-sensitive debate on the future of the Supreme Court. The court is suddenly on a fast-track to a hard right turn, and hanging in the balance are pivotal social issues including abortion rights and healthcare programs. Relevant to us is the continued existence of the Affordable Care Act.

Other (understandably huge) social issues aside, changes in—or elimination of—the Affordable Care Act could mean colossal changes in the cost of healthcare insurance. What should we know and how can we prepare?

September 28, 2020September 27, 2020

Mike Personick: Dirtbag Entrepreneur

Two interviews in a row?! Why the hell not? This week I am exceptionally pleased to bring you this thought-provoking interview with Mike Personick. Mike is a 5.14 rock climber, husband, dad, and former business owner. And now, like me, Mike is living the financially independent rock climber life.

In this interview we delve into the early days of Mike’s climbing in tandem with a remote job. We learn how Mike managed to become a nails-hard climber while simultaneously honing a craft that led to a breakout business, and in time, a lucrative buyout. We hear Mike’s fascinating story of meeting his future wife and traveling in Europe for a year, eventually adding a third human to the equation. Perhaps most importantly, we discuss the simple investing methods that can build financial freedom for us all, as well as the psychological challenges that can topple any kingdom.

Read this one all the way to the end. Mike delivers.

September 21, 2020September 21, 2020

Becky Switzer: The Powerful Pragmatist

Becky Switzer is a Bozeman, Montana-based climber and strong advocate for education, both in climbing and in the world at large. She draws great strength from surrounding herself with like-minded females. Yet, in the end, she’s a climber, not a female climber. Becky has taken a pragmatic stance to building the climbing life, recognizing when relationships aren’t working, dream jobs don’t pay, and when vans make for a less-than-ideal daily driver, among other things.

In this interview, we discuss using training and climbing as an emotional outlet, the transition to becoming a sponsored athlete (and the reasons for doing so), a real-life and hard look at the van life movement, and even the nature of privilege in climbing. Relevant to the times, we discuss the vast shift in population, demographics, and way of life in small mountain towns like Bozeman. And of course, once and for all, we lay to rest the controversy of secret crags 😉 .

September 14, 2020September 14, 2020

There’s No Way I’m Investing in this Economy!

On August 18, 2020, against all odds, the S&P 500 hits a new all-time high. Almost exactly six-months prior, the voices of consternation—from all corners, mind you—are inciting fears of Depression-era financial instability in the global economy. Well-minded folks are selling equities for gold and cash, and the more troubled are lining up at the bank, six feet apart, to withdraw their money. Much of the devastation of the pandemic hasn’t changed, yet the stock market is back on top. Or is it?

What in the hell is going on, and should you be a part of it?

Let’s go!

September 7, 2020September 7, 2020

In Contrast: The Reality of Life on the Road

What follows is an essay outlining the stark contrast of life on the road. It’s frankly easy to get really frustrated out here. Social media, blogs, and YouTube channels often paint a masterpiece of life on the road as an effortless, pillowy dream state and hall pass from reality. We’d certainly spent enough nights outside prior to this trip to know the ridiculousness of these claims. However, I like to be an honest guy on this website.

My mother nailed it when she said that the struggle for meeting basic needs and the lack of external social interactions can be a very real challenge. That said, might this be the very best place to be in the summer of 2020?

Let’s see why…

August 31, 2020July 11, 2023

This Just In: The Real Cost of Home Ownership

In August, we closed on our home of seven years in Denver, Colorado. And against all odds, with a raging pandemic, unprecedented unemployment, and a very uncertain future, we sealed the deal on an offer far better than we anticipated.

In this post I run the final numbers on the economics of our seven years of home ownership. Despite the often-touted rule-of-thumb that home ownership is a great investment….well…was it for us?

This is part 3 in a series. To see other posts on the subject, check out Part 1 and Part 2.

August 24, 2020August 24, 2020

Neil Phillips: Money as a Means to an Incredible Journey

This week I am very pleased to bring you an exciting interview with a climber and young professional that you don’t know: Neil Phillips.

As a matter of fact, I’m 100% positive that you don’t know Neil Phillips, because that’s not his real name. And I get that too, because I also don’t use my name. Money and jobs and the internet are like oil and vinegar. They don’t mix. As a matter of fact, we’ll discuss a bit about the taboo of money, and why Neil and I think it’s so damn hard to discuss personal finance.

Neil is a young professional, rock climber, and has many interesting stories and suggestions for anyone trying to get the upper hand with their money.

In this interview we discuss Neil’s desire for financial strength, his story of eliminating debt, pursuing financial independence, and preparing for a year-long road trip. And of course, we even have some good-ole-fashioned climbing talk.

Let’s go!

August 20, 2020August 29, 2020

Podcast Interview: Power Company Climbing Podcast

Hey guys,

I wanted to reach out with a mid-week post to announce the release of a podcast I recorded with my previous interviewee Kris Hampton of the Power Company Climbing Podcast.

Back in Lander, Wyoming, about a month ago, Kris graciously invited me over to his home to meet in person. We’ve interacted a number of times since I began this project two years ago, but we never crossed paths. And then we pulled out some microphones.

I really enjoyed this conversation about the taboo of money, the parallels to climbing, the dilemma of being “retired” at 35, and the pitfalls of pursuing passionate work without financial security.

Listen to my interview with the Power Company Climbing Podcast here.