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Exploring the Compound Interest Formula through Examples

There is a lot you can do with the compound interest formula. Calculate future value, present value and even include periodic deposits in your calculations for increased flexibility.

December 13, 2017. 6 min read. Financial Independence, Investing. 0 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. Continue Reading…

Keystone Habits

Spotlight Your Potential with Keystone Habits

Are there habits in your life that if you do them you are happier, healthier and more productive? Those are keystone habits and they are worth identifying and nurturing in order to live a more rounded life.

December 11, 2017. 5 min read. Mindfulness, Personal. 2 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. Continue Reading…

Coinbase bitcoin chart

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

Investing in Bitcoin doesn't have to be difficult. In this Coinbase review, I show how easy it is to invest with a walkthrough of their iOS app and website

December 8, 2017. 7 min read. Investing. 10 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. Continue Reading…

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

A method to help you estimate how much money you need to retire early and be financially independence while achieving everything on your bucket list.

December 5, 2017. 8 min read. Financial Independence, Personal. 32 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. Continue Reading…

November / December 2017 Goals & Moving Status!

For December, I'm focusing on getting settled in Salt Lake City, developing a content strategy for the next year here on Minafi and enjoying the holidays.

December 1, 2017. 6 min read. Goals, Personal. 13 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. Continue Reading…

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