I have spent a good part of my career investing time and energy towards side hustles.  I generally categorize them into two distinct types of ventures.  The lazy side hustle involves starting a business or consulting in a field tangential to ones main hustle.  For example, an accountant who works normally as an auditor may do a few tax returns on the side during tax season.  I call his ...

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The lows don’t mean you are loser.  To the contrary, they mean something else that is completely antithetical.  They mean you are pushing the envelope.  You’re learning from past mistakes.  The lows mean that you are at an inflection point.  The trick is not to see the pit you are currently trapped in as a pit.  Think of it more as a privileged vista in which to view the pathway ...

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I say that financial independence is bittersweet and you look at me with your jaw slack, your eyes questioning.  You scan to the top of my blog, and you see the words “personal finance,” and you’re wondering if I’ve gone slightly daffy. But then I point to my byline, personal finance with a twist, and continue on my belligerent rant.  I have said before that money is ...

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Basketball dreams I had one dream throughout childhood. (It certainly wasn’t to be a seven-figure failure!) To play basketball.  Now before you start to criticize me for my grandiosity, the goal was more simple.  I had no plans of playing in the NBA, or even college for that matter.  I had one simple goal-make my high school basketball team. Easy you say, right?  Well, the team was super competitive, and most of my ...

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Physicians-in-training make a pittance when one looks at the hourly rate,  Especially when I was residency, in the early 2000’s.  I often worked upwards of 100 hrs per week and made $30,000 per year.  The first year, called internship, is replete with long hours and crushing responsibilities.  Opportunities to make an extra buck are all but impossible.  In the second and third years, however, there is much more elective time.  During these ...

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How do I start a side hustle? I have heard this plea so often, It is no wonder there are many how to blog posts trying to answer this exact question.  As helpful as they may be, most of the ideas espoused are both time and energy-consuming.  For instance, starting a blog is great!  But if you want to truly make money, be prepared to put in full-time hours.  Or 
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There was once three brothers who set off on the journey of a lifetime by embarking on three separate roads.  Each brother was uniquely different, and quickly these roads diverged. It was believed that the eldest brother was most wise because his path was clear and straight. The middle brother was a strong walker but easily distracted.  It was hard to keep him concentrated on the task at hand. And finally, the youngest ...

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The story is almost universal.  A guy (or gal) suffers through a horrendous day of work and scours the internet searching for an escape hatch.  The magical mix of search words "early" and "retirement" likely leads to Mr. Money Mustache, or Get Rich Slowly, or some other fantastic resource.  Hours later, after being fully submerged in the financial independence blogosphere, he resurfaces with haired mussed and rabid eyes. ...

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We shop a lot. Now I didn’t say we buy a lot. But we spend countless hours on the weekend walking through malls and shopping centers. I’m not sure exactly why. It may be that there is enjoyment in the visualizing without actually having. Or, more likely, as a family of four with two growing children, we have many items on our purchase list to check off. Inevitably, repeatedly, our kid’s eyes ...

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It’s a miracle that I’m not a financial moron.  No one taught me about finances.  I never took a course in college.  In fact, a few years ago before I found the FIRE community, I was pretty clueless.  Well, not exactly.  I made reasonable financial decisions.  Heck, even good decisions.  I didn’t, however, have the vocabulary or knowledge behind what I was doing.  So was I lucky? Did I merely ...

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