All Articles

The hardest part of investing is learning how to get started. In this post, I go over exactly what I’d recommend to s...

Written by Adam on November 5, 2018. 7 comments.

When I was 26 I left my first job. It had a 401k that I had been contributing to since I started. Being the responsib...

Written by Adam on October 29, 2018. 9 comments.

The last decade has seen a spike in attention towards living simply. As our lives are more and more complicated with ...

Written by Adam on October 22, 2018. 8 comments.

A rundown on my investments, spending and finances over the last quarter. My investments were down 0.91% while my net...

Written by Adam on October 15, 2018. 13 comments.

I’ve never considered myself a “morning person”. I’ll go to sleep after midnight and wake up after snoozing until the...

Written by Adam on October 8, 2018. 2 comments.

FinCon 2018 was held September 26-29 in Orlando, Florida – and was a lot of fun! This post details why should and sho...

Written by Adam on October 1, 2018. 26 comments.

Unlike regular paychecks, bonuses are taxed at a different rate. If you understand how they’re taxed you can take adv...

Written by Adam on September 24, 2018. 4 comments.

We bought a new car for $6,000! Well, that was the price after trading in our existing cars. Here’s a look at how we ...

Written by Adam on September 17, 2018. 11 comments.

It takes a while to understand where someone is coming from – usually years of reading someone’s blog. In this post I...

Written by Adam on September 10, 2018. 17 comments.

I’m always interested to hear how other people are minimizing their tax liability after retirement. Here is my person...

Written by Adam on September 3, 2018. 22 comments.

In my 20s I job-hopped quite a bit – always seeking out more interesting projects, more engaged teams, and higher pay...

Written by Adam on August 27, 2018.

A recent trip to Laos changed my view of consumption and what I need to be happy. With only a few interactions – with...

Written by Adam on August 20, 2018. 4 comments.

Dividends may seem like a free money, but if you’re not prepared for it you’ll be caught with an unexpected tax-burde...

Written by Adam on August 13, 2018. 17 comments.

For the first time in our lives, we traveled with a guide and a schedule to Vietnam, Laos and Cambodia. The cost of t...

Written by Adam on August 6, 2018. 36 comments.

Exposure to computers from an early age helped me feel comfortable and confident when creating with them later in life.

Written by Adam on July 30, 2018. 6 comments.

Every quarter I analyze my investments, share my net worth and assets with the world. This was a crazy quarter. My in...

Written by Adam on July 23, 2018. 12 comments.

What would you do if you could plan out every minute of every day? Would you schedule activities, leisure or work? I ...

Written by Adam on July 16, 2018. 4 comments.

Each quarter I lay out a bunch of goals I want to tackle. For this quarter, I’m aiming to get healthy, write a book a...

Written by Adam on July 9, 2018. 1 comment.

In Q2 I set very ambitious goals – explore Utah, be healthy, make money, draw more visitors to Minafi. In retrospect,...

Written by Adam on July 2, 2018. 3 comments.

ESPPs, or “Employee Stock Purchase Plans” can be one of the most lucrative benefits offered to employees – if they’re...

Written by Adam on June 25, 2018. 19 comments.

Minafi.com was launched about a year ago, but like all stories, Minafi’s starts in the middle. Here is the background...

Written by Adam on June 21, 2018. 8 comments.

What if I told you that you could sell your used car for $150,000? We recently sold our second car, going to a one-ca...

Written by Adam on June 18, 2018. 9 comments.

If you want to achieve financial independence earlier in life, there’s a lot to know! Budgeting, investing, tax-strat...

Written by Adam on June 11, 2018. 4 comments.

If you received $1 million tomorrow, what would you do? How will taxes work? How much should you save from it? Will t...

Written by Adam on June 4, 2018. 10 comments.

What do you want your life to be? One way to understand that is to create a list of the 101 things that you want to s...

Written by Adam on May 28, 2018. 10 comments.

Every quarter I go over every expense I have and categorize it. This has led to a wealth of information on my own spe...

Written by Adam on May 22, 2018. 11 comments.

People use the terms “fire”, “lean fire” and “fat fire” all the time – but what do they mean? In this data-driven pos...

Written by Adam on May 14, 2018. 22 comments.

What is your path to early retirement? Having a set goal is one thing, but designing a life with an irresistible stai...

Written by Adam on May 7, 2018. 7 comments.

The salary difference between men and women has been studied in many different times in many different fields. In eac...

Written by Adam on April 30, 2018. 28 comments.

The 4% states you need your yearly spending times 25 to retirement. One question I get a bunch is around the idea of ...

Written by Adam on April 26, 2018. 4 comments.

You don’t need to be a master to accomplish your goals. Spending all of your time perfecting one aspect can hold you ...

Written by Adam on April 23, 2018. 2 comments.

Why do you want to retire early? This question and more are key to keeping your motivation going and growing grit whi...

Written by Adam on April 19, 2018. 1 comment.

A snapshot of my finances as of April 1, 2018. We were down 1.5% for a total of -$19,120.00 for the quarter. This inc...

Written by Adam on April 16, 2018. 10 comments.

Traditions like Christmas, Thanksgiving, and 4th of July are a huge part of American culture. These traditions spawn ...

Written by Adam on April 12, 2018. 3 comments.

Last year, we moved across the country from Orlando to Salt Lake City. Before we reached this decision, I researched ...

Written by Adam on April 9, 2018. 9 comments.

The minimalist aesthetic isn’t as cheap as it looks. There are a number hidden costs to owning fewer things. Living i...

Written by Adam on April 5, 2018. 9 comments.

For the next 3 months, I’m planning to focus on exploring Utah, monetizing Minafi and increasing traffic. Rather than...

Written by Adam on April 3, 2018. 2 comments.

What do you do with your investments after everything is optimized? It’s a hard struggle for these woke investors. Tr...

Written by Adam on April 1, 2018. 8 comments.

For March, I concentrated on trying public transportation in Salt Lake City to see if I enjoyed using it as part of m...

Written by Adam on March 30, 2018. 1 comment.

In a conversation between Warren Buffett and his Pilot, Buffett recommended a strategy to help prioritization that al...

Written by Adam on March 26, 2018. 5 comments.

Target retirement date funds are a great place to get started investing. They do all the hard work of figuring out wh...

Written by Adam on March 22, 2018. 16 comments.

Learning how to invest takes a lot of research. One way to get up to speed fast is to learn from others mistakes. Luc...

Written by Adam on March 19, 2018. 3 comments.

Have you ever intended to do something productive, but then life got in the way? Here are some ways you can become mo...

Written by Adam on March 8, 2018. 2 comments.

I grew up in a house. After a few years in college in apartments, I quickly moved into a house after graduation. I th...

Written by Adam on March 5, 2018. 24 comments.

For March, I’m hoping to slow down and spend more time intentionally traveling. Not traveling in the distance sense, ...

Written by Adam on March 2, 2018. 4 comments.

For February, I focused on Using Everything. This had three aspects to it – Mindful Consumption, Organization, and De...

Written by Adam on February 28, 2018.

When you hear the word “vacation”, what do you think? Is it the same thing as when you hear the word “travel”? These ...

Written by Adam on February 26, 2018. 24 comments.

Tracking your asset allocation can help understand the difference between your target asset allocation and your curre...

Written by Adam on February 22, 2018. 2 comments.

A few months after I graduated college my mom passed away. That led to a complicated estate and inheritance legal cas...

Written by Adam on February 19, 2018. 32 comments.

One way to stay on track with your goals is to use commitment devices – mind tricks to hold yourself accountable. The...

Written by Adam on February 15, 2018. 2 comments.