spending Archives - CLIPPING CHAINS https://clippingchains.com/tag/spending/ Funding the Adventurous Life Sun, 16 Jul 2023 16:40:08 +0000 en-US hourly 1 https://wordpress.org/?v=7.0 https://i0.wp.com/clippingchains.com/wp-content/uploads/2018/09/cropped-TEST_CC_Logo-1.png?fit=32%2C32&ssl=1 spending Archives - CLIPPING CHAINS https://clippingchains.com/tag/spending/ 32 32 150809980 What Happened to Frugality? https://clippingchains.com/2023/07/17/what-happened-to-frugality/ https://clippingchains.com/2023/07/17/what-happened-to-frugality/#comments Mon, 17 Jul 2023 06:00:00 +0000 https://clippingchains.com/?p=9549 Frugality is an endearing element of saving money and living the good life. But interestingly, the recent discourse in personal finance circles has seemingly shifted to embrace spending over saving. What is going on, how did this happen, and why should we care? Listen to the Podcast Roots of the Alternative Living Philosophies As we …

Continue reading "What Happened to Frugality?"

The post What Happened to Frugality? appeared first on CLIPPING CHAINS.

]]> https://clippingchains.com/2023/07/17/what-happened-to-frugality/feed/ 2 9549 A Quick Note for Those Struggling with Spending https://clippingchains.com/2022/06/27/struggling-with-spending/ https://clippingchains.com/2022/06/27/struggling-with-spending/#respond Mon, 27 Jun 2022 06:00:00 +0000 https://clippingchains.com/?p=8733 We often use spending in an attempt to gain admiration and respect from our peers. Here’s why it doesn’t work and what we can do instead. Listen in Podcast Format It’s odd to say, but I just recently listened to my first episode of the Tim Ferriss Show. This podcast, a wildly popular lifestyle guru …

Continue reading "A Quick Note for Those Struggling with Spending"

The post A Quick Note for Those Struggling with Spending appeared first on CLIPPING CHAINS.

]]> https://clippingchains.com/2022/06/27/struggling-with-spending/feed/ 0 8733 The Bold And Beautiful Roth Conversion Ladder https://clippingchains.com/2021/04/12/roth-conversion-ladder/ https://clippingchains.com/2021/04/12/roth-conversion-ladder/#comments Mon, 12 Apr 2021 13:41:00 +0000 https://clippingchains.com/?p=7032 Hi. Good morning. How are you? I’m excited this week to bring you a much more in-depth analysis of the Roth Conversion Ladder, a method used to spend retirement money early without penalty and with little to no tax burden. I’ve already talked about this method here, here, and here, but I decided this very …

Continue reading "The Bold And Beautiful Roth Conversion Ladder"

The post The Bold And Beautiful Roth Conversion Ladder appeared first on CLIPPING CHAINS.

]]> https://clippingchains.com/2021/04/12/roth-conversion-ladder/feed/ 26 7032 Your 2021 Guide To Actually Saving Real Money https://clippingchains.com/2021/01/18/2021-guide-to-saving/ https://clippingchains.com/2021/01/18/2021-guide-to-saving/#comments Mon, 18 Jan 2021 14:53:00 +0000 https://clippingchains.com/?p=6302 Hey guys. I know that 2020 was a hard year. And 2021 only seems like a continuation of that trend. It’s easy to throw up our hands or hunker in a ball, suck our filthy, calloused thumbs, and wait. But that’s not the solution. Despite everything that happened in 2020, the S&P 500 returned over …

Continue reading "Your 2021 Guide To Actually Saving Real Money"

The post Your 2021 Guide To Actually Saving Real Money appeared first on CLIPPING CHAINS.

]]> https://clippingchains.com/2021/01/18/2021-guide-to-saving/feed/ 8 6302 Relocation: A Guide to Moving and Housing Affordability https://clippingchains.com/2020/10/19/relocation/ https://clippingchains.com/2020/10/19/relocation/#comments Mon, 19 Oct 2020 14:00:00 +0000 https://clippingchains.com/?p=5931 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 …

Continue reading "Relocation: A Guide to Moving and Housing Affordability"

The post Relocation: A Guide to Moving and Housing Affordability appeared first on CLIPPING CHAINS.

]]> https://clippingchains.com/2020/10/19/relocation/feed/ 8 5931 How to Destroy Your Finances in Your 20s and 30s https://clippingchains.com/2020/08/03/how-to-destroy-your-finances-in-your-20s-and-30s/ https://clippingchains.com/2020/08/03/how-to-destroy-your-finances-in-your-20s-and-30s/#respond Mon, 03 Aug 2020 14:00:00 +0000 https://clippingchains.com/?p=5396 The following are fictional narratives of many of the character traits, decisions, and habits that either my wife or I have exhibited, or those observed or communicated by readers of this website. Let’s examine together some of the many common scenarios where young people set the ball rolling on a path to destroying their finances. …

Continue reading "How to Destroy Your Finances in Your 20s and 30s"

The post How to Destroy Your Finances in Your 20s and 30s appeared first on CLIPPING CHAINS.

]]> https://clippingchains.com/2020/08/03/how-to-destroy-your-finances-in-your-20s-and-30s/feed/ 0 5396 The Simple Systems to Kicking Monetary Ass https://clippingchains.com/2020/07/13/the-simple-systems-to-kicking-monetary-ass/ https://clippingchains.com/2020/07/13/the-simple-systems-to-kicking-monetary-ass/#comments Mon, 13 Jul 2020 12:59:00 +0000 https://clippingchains.com/?p=5296 The often-touted rule-of-thumb for achieving financial independence is to secure 25 times one’s annual expenses via intentional saving and investing. Even though these are simple systems, we know from the second or third grade that multiplying things by 25 produces much bigger numbers than the thing itself (our spending in this case). Therefore, it seems …

Continue reading "The Simple Systems to Kicking Monetary Ass"

The post The Simple Systems to Kicking Monetary Ass appeared first on CLIPPING CHAINS.

]]> https://clippingchains.com/2020/07/13/the-simple-systems-to-kicking-monetary-ass/feed/ 4 5296 But There's No Time to Save Money! https://clippingchains.com/2019/12/09/but-theres-no-time-to-save-money/ https://clippingchains.com/2019/12/09/but-theres-no-time-to-save-money/#comments Mon, 09 Dec 2019 14:00:00 +0000 https://clippingchains.com/?p=3389 Throwing on a jacket, I hurriedly move wide-eyed about the house, gathering my crap strung aimlessly in seemingly every room. Let’s see, it’s a gym day, so I need my gym bag, chalk bucket, climbing shoes, and post-session snack. Damnit, where are my keys?! IT’S TIME TO GO!! Ugh…honey, can you fill up the dog’s …

Continue reading "But There's No Time to Save Money!"

The post But There's No Time to Save Money! appeared first on CLIPPING CHAINS.

]]> https://clippingchains.com/2019/12/09/but-theres-no-time-to-save-money/feed/ 3 3389 Net Worth: It’s Really Going to Matter…Someday https://clippingchains.com/2019/04/08/net-worth-its-going-to-matter/ https://clippingchains.com/2019/04/08/net-worth-its-going-to-matter/#comments Mon, 08 Apr 2019 13:00:30 +0000 https://clippingchains.com/?p=1748 I promised at the end of our post on spending tracking that we’d also be addressing and tracking one’s net worth. I’m a man of my word, so here we are. Net worth is defined as total assets minus total liabilities (debt). Simple enough right, so why the post? First, there’s some nuance involved in …

Continue reading "Net Worth: It’s Really Going to Matter…Someday"

The post Net Worth: It’s Really Going to Matter…Someday appeared first on CLIPPING CHAINS.

]]> https://clippingchains.com/2019/04/08/net-worth-its-going-to-matter/feed/ 2 1748 Tracking Your Spending: The Ultimate Task https://clippingchains.com/2019/03/11/tracking-spending/ https://clippingchains.com/2019/03/11/tracking-spending/#respond Mon, 11 Mar 2019 13:00:25 +0000 https://clippingchains.com/?p=1619 I realize that only some small subset of the folks who end up on this website are likely to pursue financial independence. It’s not for everyone. But if we can make a single small impression on you, dear reader, it would be to invest time in tracking your spending. It doesn’t matter if you are …

Continue reading "Tracking Your Spending: The Ultimate Task"

The post Tracking Your Spending: The Ultimate Task appeared first on CLIPPING CHAINS.

]]> https://clippingchains.com/2019/03/11/tracking-spending/feed/ 0 1619