Blog

Exploring the Compound Interest Formula through Examples

Written by Adam on December 13, 2017. Updated January 8, 2023.
8 min read. Financial Independence, Investing, Blog, Canonical. 4 Comments

Today’s post is a bit more technical and math focused. The compound interest formula is an amazing tool to have at your disposal when making calculations. If you’re always relying on a compound interest calculator to do these calculations, then you may be limited in what types of scenarios you can model and explore. I needed to learn a bunch of the math behind compound interest when writing An Interactive Guide to Early Retirement and Financial Independence and wanted to share some of the takeaways.

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Spotlight Your Potential with Keystone Habits

Written by Adam on December 11, 2017. Updated January 8, 2023.
6 min read. Blog, Personal, Mindfulness. 5 Comments

I read a bunch of books about productivity. There’s something about hearing about how others focus and execute that helps inspire me to focus myself. Even going to bookstores and browsing the productivity section can help spur me to action. Productivity goes hand in hand with habits. With my recent move to Salt Lake City, I’ve been reevaluating my own habits and trying to figure out how I can best work. This reminded me of a topic from The Power of Habit that sparked some interest – keystone habits.

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Coinbase Review: The Easiest Way to Get Started Investing in Bitcoin

Written by Adam on December 8, 2017. Updated January 8, 2023.
9 min read. Investing, Blog, Canonical. 11 Comments

In the last 7 days, Bitcoin is up 54% as of this writing, although it peaked at around 90% up week over week. You read that right: up 90% IN A WEEK. After watching Bitcoin for the last 7 years, this doesn’t seem as crazy as it should. Right now a lot of people are thinking about how to get started investing in Bitcoin. After using it for over 4 years, I’m going to do a Coinbase review and also help answer some of the most common questions about Bitcoin.

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Why I’m Going for FIO – Financial Independence with Options

Written by Adam on December 5, 2017. Updated January 8, 2023.
8 min read. Financial Independence, Calculators, Blog, Canonical, Personal. 41 Comments

The math behind financial independence isn’t rocket surgery. In my interactive guide, you can calculate the amount you’ll need to be FI – which will generally be around 25x to 33x your current yearly spending if you invest your savings. This number has always seemed incomplete to me. It’s a snapshot of what life would be like if you spent a known amount.

What about for those of us who aren’t sure what they want their future to be? For that, you need to add in a measure of uncertainty in your estimates. I’m calling that my FIO number – Financial Independence with options. This post is why I think this is a more accurate measure of my ongoing spending.

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November / December 2017 Goals & Moving Status!

Written by Adam on December 1, 2017. Updated January 8, 2023.
8 min read. Personal, Goals, Blog. 11 Comments

Every month I review how I did during my last month and plan out my focus for the next month. This is a follow-up to my previous post, October / November 2017 Goals & Moving Announcement! Since I do these goal posts monthly, you might want to read them all by checking out the goals category.

November was a completely crazy month for me. Let me explain.

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The Burden of Now

Written by Adam on November 21, 2017. Updated January 8, 2023.
5 min read. Mindfulness, Goals, Blog. 1 Comment

Is there something you feel like you should be doing right now? If you’re like me, you have an ever-expanding laundry list of tasks on your plate that is forever inundated with new additions. The concept of what you should be doing can be both productive and dangerous. Getting down at yourself, depressed or feeling unproductive because you’re not productive can be a drag on happiness and mental health. How can you let yourself be OK with your progress and when should you hold yourself accountable?

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