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Harmless Concessions in Personal Finance

Large banks are able to manipulate us through harmless concessions. This could be us accepting a free credit card, having our free credit score reported to us, getting a preapproval for a loan product, or offering us a free bank account. These personal finance products put us on a hook and costs us thousands of […]

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10 Hindsight Facts About Retirement

There are a few things that I figured out on my own as I traveled the retirement path. Most things were obvious but I chose to ignore them. Others weren’t as clear-cut and I wish I had discovered them sooner.   10 Hindsight Facts About Retirement These are the 10 facts that I wish I […]

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Spending In Retirement

I’m in Amsterdam for the week and was contemplating how to structure my budget and spending. Should I continue to budget as I have been doing the past few years? Should I spend freely from my disposable income? Spending in retirement takes some getting used to. There are no strict parameters, no concrete financial goals, […]

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Paying Cash For Everything

I’ve heard a lot about the “cash method” as a way to decrease one’s spending. The concept is that you somehow become more conscious of your spending when you are paying cash for everything. Having to pull out a bill or use coins to make a purchase is supposed to “hurt” a little more than […]