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Author: JJ

The Law of Diminishing Returns

The Law of Diminishing Returns

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Diminishing returns

I’m a big fan of the Happy Philosopher. His style is unique and I find his articles to be thought-provoking. I would like to highlight a recent post titled “Stacking Functions“. He describes ways to improve efficiencies in various aspects of Personal Finance but considers a building block approach. This is by no means an extension to his post, it is simply the introduction of a concept that fits very nicely with topics around Financial Independence.

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5 Valuable Lessons From My Financial Mentor

5 Valuable Lessons From My Financial Mentor

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My Financial Mentor

Some might say they’ve stumbled upon the Financial Independence community just by chance or by a desire to live life in a completely different way.  I would like to believe that if you dig deeper you’ll find that your interactions with key individuals played a major role in shaping who you are and what you’re striving to achieve.
Before I get ahead of myself let’s take a step back and start with the definition of a keyword … mentor and/or mentorship.

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Mid-Year Performance Review

Mid-Year Performance Review

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Performance Review

I recently finished delivering mid-year performance reviews to members of my team as well as getting one from my supervisor. Overall, It was a great opportunity to touch base on goal status, opportunities for improvement, and gather feedback on things I can improve to make our team a high-performing one.

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Don’t Let Others Influence Your Decisions

Don’t Let Others Influence Your Decisions

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Live your life

So there I was in 2008 finishing graduate studies at Texas A&M University with a job offer that required moving to a little town called Gillette, WY. I remember my recruiter mentioning the name of the city and all I could think of was “holy crap this place is going to be freezing cold”. Before you run with the idea of saying … “how were you able to say yes without even knowing where in the world this place was” …, well that’s not how it happened. My employer actually flew me there to have a look around before embarking on a great adventure.

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12 Actionable Tips to Lower your Expenses and Make Extra Income

12 Actionable Tips to Lower your Expenses and Make Extra Income

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Lower your expenses

We’ve all heard the expression “live within your means” or “spend less, save and invest the rest”. These simple yet, challenging guidelines have laid the foundation of our financial plan to achieve Financial Independence. While all of these sound great, increasing the gap between your income and expenses requires discipline, dedication, and teamwork. But where do you begin? … income, expenses, both?

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5 Decisions that led to $3,500+ in Annual Savings

5 Decisions that led to $3,500+ in Annual Savings

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Saving Ideas

Some people might say there’s limited room to reducing your expenses and they’re probably right. Nevertheless, you’ll be surprised with ideas that can come up if you really pay attention to your spending habits and lifestyle choices.

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What Is Asset Allocation?

What Is Asset Allocation?

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asset allocation

One strategic approach to investing is to buy a particular mix of investments that you believe will provide the return you’re seeking at a level of risk you’re willing to take. This is what we refer to as asset allocation and is nothing more than bringing the concept of diversification into an investment strategy. …

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How We Saved and Invested During the Holidays

How We Saved and Invested During the Holidays

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Saved and Invested

So the 4th of July celebration has come to an end but now that we are back in Colorado I thought I’d take a break and share the story of our recent trip to The Texas Hill Country, and how we saved and invested during the holidays.

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