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The Deadly Monthly Payment

I’ve been operating on cash for many years now. I bought my condo in cash and I make all purchases in cash. Well, not like physical cash but I don’t use debt. So the other day when I was walking by a house for sale in my neighborhood for $500,000, my first reaction was daaaaamnnnn that’s a […]

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My Spending Categories

I spend a lot of money because I’m not frugal by nature. But now I spend a lot more money on others. Not that I’m some fucking Buddha, just that i don’t have any more spending needs – spending on more shit doesn’t make me happier. The less shit I own, the less I want, […]

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My Discretionary Spending

3 years ago I cancelled my disability insurance because I had enough money saved to insure myself. I had a group policy through my employer, Kaiser Permanente, and I had a private policy which cost me $471/month. I was looking over my spending and realized that I no longer needed my disability insurance. I called […]

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Elevating Gift Giving

For the past 6 years I haven’t engaged in any traditional gifting. Whether it’s Christmas, Mother’s Day, or Valentine’s Day – no gifts. Seems cruel and unusual but it’s been my second most liberating decision after getting rid of my car. Traditional gift giving, naturally, wasn’t invented by consumers. Rather, it’s a marketing strategy to […]

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Can I Afford It?

With certain purchases I ask myself if I can afford it – but not with all. I went and had pho today and I didn’t care what the price of the dishes were. I walked in, sat down, opened the menu, and ordered fresh spring rolls and a bowl of vegan pho. I left paying […]