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Financial guidance for financial independence

Content, resources and services to help people make smarter decisions with their money in route towards financial independence (FI). Intelligent portfolio and real estate investing. Simplified financial guidance and protections.

Filtering by Category: Motivation & Inspiration

5 Reasons Why Investing for Income Beats Investing for Growth

Why do you invest?

Such a simple question, right? When asked this, most people’s response has something to do with retirement. But this is normally a canned answer simply because we know we are supposed to save and invest for retirement. The problem is that there is no deeper meaning or motivation behind this type of investment strategy. There’s no excitement. No drive. And I firmly believe this is the primary reason why so many people are underfunded for retirement.

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Consumption and the Fulfillment Curve

I was recently listening to a ChooseFI podcast that highlighted financial independence OG, Vicki Robin, author of Your Money or Your Life (reviewed admirably by Paula Pant).  During the interview, I became fascinated her discussion of the "fulfillment curve", which is basically a graph created by Vicki and her co-author, Joe Dominguez, that maps the relationship of spending and happiness.  The chart hones in on the law of diminishing returns past a certain level of consumption.

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Find the Investment Strategy That Fits You

There is nothing more dangerous than blanket investment advice.  Yet, everywhere you turn, you will find headlines giving you just that:  the next best, can't miss investment.  All your troubles are swept away if you just follow this particular guidance, or buy this specific product.

These headlines sell because they promote a false sense of security and simplicity.  People want the microwave approach to solving an issue.  But the problem is that proper investment advice is not that simplistic.

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