Earn More vs. Spend Less: Attacking Financial Freedom from Both Ends

The endless debate. Earn More? Spend Less? Which is more important? Why is it important? Where do I focus my energy?

Camp #1: Earn More
Is more better? Ask a five year old. Of course he’ll say yes. He would rather have 10 pieces of candy than 8. This tends to be the current theme of development. More growth is always better. Earning more is always better. Higher wages, higher employment, more money, more stuff, and bigger things. America has been operating on this adage since the turn of the century.

From a financial perspective, is more better? I think the question that needs to be addressed is twofold. First: What is enough? Second: What am I trying to accomplish? One of the most unique things about America is that we have an incredibly high spread between our average middle class wage and an efficient middle class standard of living (Is America the best place to grow a money mustache?). Continue reading Earn More vs. Spend Less: Attacking Financial Freedom from Both Ends

I Don’t Have Enough Time Syndrome

Do you know what I find interesting? Everyone in the world is given the exact same allocation of one single resource: Time. No matter who you are, where you live, or what you do, everyone has exactly 24 hours each and every day to fill with some combination of tasks and leisure.

daliI’m sure you’ve run into this person: The person who says “I don’t have time for that” or “I’m way too busy to spend my time doing that.” Heck, you may have been that person once, or are currently in a situation where that is exactly how you feel. What is worse, is that people, often over and over, allow themselves to subsist in a chronic margin-less lifestyle driven by the choices that continue to be made on a daily basis .

Continue reading I Don’t Have Enough Time Syndrome

The $10 a Month iPhone Plan

Why are you paying so much for your Iphone service?

How much do you pay a year for your Iphone service? $1,000? $2,000? What are you getting for that service? The average Iphone user pays about $2,240 ($199/Phone + $85/Month) every two years for their phone plus a service contract. What would you do if someone gave you $2,000? Would you enjoy having that money? I think most people would agree that you could have a lot of fun with that kind of money.

iphoneWhat you need to get started:

AT&T iPhone ($99 to $299 Off Contract at CowBoom, Ebay, or Craigslist)
Sim Card ($1 to $15)

How does it work? Continue reading The $10 a Month iPhone Plan

The Cable-less TV Setup

I enjoy occasionally watching quality content and sports on television but I’ve been without traditional cable for many years. I also happen to enjoy technology and I have owned and tested almost every type of set top device that exist (Apple TV, Roku, FireTV). I’m constantly perfecting and tweaking my setup so feel free to come back as I still update this post regularly. It is possible get almost all content in full HD, including live TV and sports for free or much less than you are currently paying for cable!

Also, check out the updated 2014 version of the post!

The first two Questions you need to ask yourself are:

  • What content is most important to me?
  • How much do I want to spend on content?
  • (And Maybe) Do I even have enough time to watch all the free content out there?

To get access to the best content you need:

  • Digital Television w/ Tuner
  • High Speed Internet Connection (5Mbs+ Recommended)

Streaming Box of Some Kind (see bottom for detailed list and more info):
My updated suggestions only include three steaming boxes. Why? Because they are the best. They have everything we need. I always suggest buying used if possible and amazon “more buying choices”  because buying used ‘like new’ can often save you a few bucks!

Continue reading The Cable-less TV Setup