Glossary > Roth IRA

Roth IRA

A Roth IRA is a tax-advantaged retirement account for residents of the United States. The main selling point for a Roth IRA is the ability to deposit after-tax money today, invest now, have that money grow, and then withdraw it tax-free you’re at least 59.5 years old.

As of 2021, there is a $6,000 a year limit for Roth IRA contributions if you’re under 50 years old – or $7,000 if you’re 50 years old or older. There’s also an income limit for who can contribution to a Roth IRA. You need to make under $125,000 if filing single, or under $198,000 if filing jointly.

Who Should Use a Roth IRA?

The “best” account to use would depend on your tax rate now and your tax when you withdraw funds. The future is difficult to know. I tend to assume that tax rates will remain roughly the same – adjusted for inflation.

Roth IRA’s are just of many accounts you can use to invest for retirement. Here’s a look at where they fit in the larger investing picture.

In other words, before considering a Roth IRA, you’ll first want to have an emergency fund, fund your 401(k) up to the company match, and pay off high-interest debt (credit cards).

After that the choice is between a Roth IRA and a Traditional IRA.

A rule of thumb for which account to use – Roth IRA or Traditional IRA – is to look at your taxes now and compare them with estimated taxes later:

Situation Best Account
Lower tax rate during retirement 401(k) or IRA
Same tax rate during retirement 401(k), IRA or Roth IRA
Higher tax during retirement Roth IRA
You want the most flexibility later Roth IRA

The choice between these two likely isn’t going to make a major difference in your ability to retire or not. There are cases situations where you can retire and withdraw up to standard tax deduction and pay $0 in taxes when withdrawing from your 401(k)/IRA. In other words, this isn’t a clear-cut math problem unless you know all the variables (hint: you don’t)

My recommendation? You can’t go wrong with a Roth IRA. This is especially true if you have a 401(k). Having a 401(k) and a Roth IRA means you’re diversifying your tax-liability for later. This gives you options when you retire.

For example, a married couple could withdraw $24,000 from a 401(k) and $16,000 from a Roth IRA and pay $0 in taxes. That same couple would need to withdraw about 12% more from a Traditional IRA to have the same spending power.

Roth IRA’s have another superpower: you can withdraw any money you’ve contributed to them before you’re 59.5 years old. This is only your contributions – not growth due to investments. Ideally you wouldn’t want to do this unless it was an emergency, of you retired sooner.

In other words: Roth IRAs give you more flexibility in early retirement, and more flexibility in structuring your taxes.

Roth IRA Limits

Each year, there are two limits you’ll want to keep in mind when contributing to a Roth IRA:

The contribution limit is the amount you’re able to deposit into a Roth IRA for that tax-year. For 2021 that limit is $6,000 per person – or $7,000 if you’re 50 years old or older.

The income limit, based on your adjusted gross income (AGI), determines who can use a Roth IRA. If your income is above the income limit, you cannot contribute the full amount.

If you’re slightly above the income limit, then there’s a complicated formula to determine how much you can contribute. I haven’t been through the process of that personally, but I imagine in that case you’d want to wait until your taxes are ready for the previous year and make your Roth IRA contribution then.

Here’s a quick snapshot of the contribution limits and the income limits over the past few years.

Year Contribution Limit
(Under 50)
Contribution Limit
(50+)
Income Limit
(Single)
Income Limit
(Jointly)
2021 $6,000 $7,000 $125,000 $198,000
2020 $6,000 $7,000 $125,000 $198,000
2019 $6,000 $7,000 $122,000 $193,000
2018 $6,000 $7,000 $120,000 $189,000

If you “max out your Roth IRA” that means you’ve contributed up to the contribution limit for the year.

When Can I Make a Roth IRA Contribution?

Roth IRA contributions are made for the calendar year, but the date of the deposit doesn’t need to happen within the year.

For example, the 2020 Roth IRA contribution deadline is April 15, 2021 – or whatever your tax filing deadline without extensions.

If you log into your Roth IRA account to make a contribution, it will ask which year you want to make your contribution for. If you make this contribution between January 1st and April 15th, you’ll be able to contribute to either of these accounts – or both.

You can also make a Roth IRA contribution as early as January 1st for that year. Doing this allows you to get your money into the market sooner. Although there’s no guarantee that the market will grow in any given year, historically it’s grown over the long-term. If you max out your Roth IRA early, you’d advantage from more growth than if you invested at the end of the year.

Courses Mentioning Roth IRA

Here are all 10 courses that mention Roth IRA here on Minafi.

The Minimal Investor

Learn everything you need to know to invest for the rest of your life.

10 Lessons Basic about 3 hours 1,166 students

Bonds Stocks Taxes Investing
Free
How to Make Money in the Stock Market

It's not about constantly monitoring the market and making trades. Learn how long-term investors grow their wealth without the need to constantly monitor them.

7 Lessons Basic about 1 hour

Bonds Stocks Investing
1 free
Why Should You Invest In the Stock Market?

A deep dive into why the stock market is one of the easiest and safest investments you can make.

7 Lessons Basic about 2 hours

Stocks Investing
1 free
The Four Pillars of Investing

Compound interest, diversification, fees and taxes make up the core pillars of a solid investing strategy.

7 Lessons Advanced about 1 hour

Compound Interest Diversification Fees Bonds Stocks Taxes Investing
1 free
How To Choose The Right Fund

Let's take everything we've learned and put it together. We'll analyze a number of funds and go through the process of how to narrow funds down to the one that's just right for you.

3 Lessons Intermediate 23 minutes

Diversification Fees Bonds Stocks Taxes Investing
Members Only
Create Your Ideal Asset Allocation

Plan out what funds you'll invest in and in which accounts for maximized diversification and tax-efficiency.

6 Lessons Intermediate about 2 hours

Bonds Stocks Investing
1 free
Make Your Investment

Open any accounts you need to invest and make your actual investments.

7 Lessons Advanced about 2 hours

Bonds Stocks Investing
4 free
Ditch Your Financial Advisor

If you're currently investing with a financial advisor, managing your own money can save you a bunch over a lifetime.

3 Lessons Advanced about 2 hours

Advisor Investing
1 free
Plan Your Future

Make a plan for how you'll invest your time going forward.

10 Lessons Intermediate about 3 hours 1,507 students

Financial Independence Mindfulness
6 free
Retire in Style

Create a plan for how you'll withdraw funds from your accounts.

8 Lessons Basic about 2 hours 2,169 students

Mindset Retirement Taxes
3 free

Articles Mentioning Roth IRA

Here are all 282 articles that mention Roth IRA here on Minafi.

Digital Minimalism Review and My Month Without Social Media
Digital Minimalism Review and My Month Without Social Media
Adam

Written by Adam on April 22, 2019. 9 comments.

Personal Minimalism Blog
March 2019 Investment, Goals and Spending Breakdown
March 2019 Investment, Goals and Spending Breakdown
Adam

Written by Adam on April 8, 2019. 7 comments.

Personal Blog
Introducing the Minafi Salt Lake City Early Retirement Community!
Introducing the Minafi Salt Lake City Early Retirement Community!
Adam

Written by Adam on April 1, 2019. 1 comment.

Personal Financial Independence Blog
How I’m Setting Goals During Early Retirement
How I’m Setting Goals During Early Retirement
Adam

Written by Adam on March 25, 2019.

Personal Goals Blog
7 Lessons and 2 Mistakes From My First 3 Months of Early Retirement
7 Lessons and 2 Mistakes From My First 3 Months of Early Retirement
Adam

Written by Adam on March 18, 2019. 6 comments.

Personal Financial Independence Blog
The Focused Investor 4 – Lily from Merry For Money on Confident Investing
The Focused Investor 4 – Lily from Merry For Money on Confident Investing
Adam

Written by Adam on March 11, 2019. 1 comment.

Investing Blog
Creating an Identity Bridge for Early Retirement
Creating an Identity Bridge for Early Retirement
Adam

Written by Adam on February 25, 2019. 6 comments.

Financial Independence Blog
Work Optional Book Review: An Actionable Guide to Living Your Best Life
Work Optional Book Review: An Actionable Guide to Living Your Best Life
Adam

Written by Adam on February 12, 2019. 1 comment.

Financial Independence Blog
Mint Mobile Review: For $15/Month Is It Worth It?
Mint Mobile Review: For $15/Month Is It Worth It?
Adam

Written by Adam on February 11, 2019. 4 comments.

Financial Independence Blog
Financial Freedom Book Review – A Guide to Retiring Early
Financial Freedom Book Review – A Guide to Retiring Early
Adam

Written by Adam on February 4, 2019.

Financial Independence Blog
7 Things Learned in My First Month of Early Retirement
7 Things Learned in My First Month of Early Retirement
Adam

Written by Adam on January 28, 2019. 16 comments.

Personal Financial Independence Blog
The Focused Investor 3: Enoch Omololu from Savvy New Canadians on Index Investing
The Focused Investor 3: Enoch Omololu from Savvy New Canadians on Index Investing
Adam

Written by Adam on January 25, 2019. 2 comments.

Investing Blog
The Focused Investor 2: OthalaFehu on Preparing for the Worst with Precious Metals
The Focused Investor 2: OthalaFehu on Preparing for the Worst with Precious Metals
Adam

Written by Adam on January 17, 2019. 1 comment.

Investing Blog
Do You Need Luck to Reach Financial Independence and Retire Early?
Do You Need Luck to Reach Financial Independence and Retire Early?
Adam

Written by Adam on January 14, 2019. 1 comment.

Personal Financial Independence Blog
The Focused Investor 1: Alexander from Day Trading Z Robots vs. Human Traders
The Focused Investor 1: Alexander from Day Trading Z Robots vs. Human Traders
Adam

Written by Adam on January 10, 2019. 2 comments.

Investing Blog
My Favorite 100 Books Read in 2018
My Favorite 100 Books Read in 2018
Adam

Written by Adam on January 7, 2019. 8 comments.

Personal Goals Blog
2019 Federal Tax Brackets – What Rate Will You Pay?
2019 Federal Tax Brackets – What Rate Will You Pay?
Adam

Written by Adam on December 17, 2018. 6 comments.

Taxes Blog
You Can’t do Everything: How I’m Prioritizing What to Start, Stop and Continue in Retirement
You Can’t do Everything: How I’m Prioritizing What to Start, Stop and Continue in Retirement
Adam

Written by Adam on December 10, 2018. 8 comments.

Personal Goals Blog
Is FIRE A Hero’s Journey?
Is FIRE A Hero’s Journey?
Adam

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

Mindfulness Financial Independence Blog
Minimalism is Learning to Accept Losses
Minimalism is Learning to Accept Losses
Adam

Written by Adam on November 21, 2018.

Minimalism Blog
The Definitive Guide to Tax-loss Harvesting and Avoiding Wash Sales
The Definitive Guide to Tax-loss Harvesting and Avoiding Wash Sales
Adam

Written by Adam on November 19, 2018. 6 comments.

Investing Taxes Blog
Buffett’s 10/10/10 Rule For Making Financial Decisions
Buffett’s 10/10/10 Rule For Making Financial Decisions
Adam

Written by Adam on November 14, 2018. 2 comments.

Personal Mindfulness Blog
The Rule of 72 Calculator: How to Perform Compound Interest Calculations In Your Head
The Rule of 72 Calculator: How to Perform Compound Interest Calculations In Your Head
Adam

Written by Adam on November 12, 2018. 1 comment.

Investing Interactive Calculators Blog
The Shockingly Scary Difference Between Healthy FIRE and Unhealthy FIRE
The Shockingly Scary Difference Between Healthy FIRE and Unhealthy FIRE
Adam

Written by Adam on November 7, 2018. 13 comments.

Personal Financial Independence Blog
How to Invest Your First $1,000 and Double Your Money (In Time)
How to Invest Your First $1,000 and Double Your Money (In Time)
Adam

Written by Adam on November 5, 2018. 6 comments.

Investing Blog
37 Inspiration Minimalism Quotes to Help You Simplify Your Life
37 Inspiration Minimalism Quotes to Help You Simplify Your Life
Adam

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

Minimalism Blog
Minafi 2018 Q3 Fall Investment Report
Minafi 2018 Q3 Fall Investment Report
Adam

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

Personal Investing Blog
The Bulletproof Strategy to Develop a Morning Ritual
The Bulletproof Strategy to Develop a Morning Ritual
Adam

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

Personal Mindfulness Goals Blog
My FinCon 2018: Friends, Inspiration and Motivation
My FinCon 2018: Friends, Inspiration and Motivation
Adam

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

Personal Blog
How Are Bonuses Taxed? (with Bonus Calculator)
How Are Bonuses Taxed? (with Bonus Calculator)
Adam

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

Interactive Taxes Blog
Our New $6,000 Car
Our New $6,000 Car
Adam

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

Personal Blog
All You Need is Less
All You Need is Less
Adam

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

Personal Minimalism Blog
Why I Avoid Dividends Like the Plague
Why I Avoid Dividends Like the Plague
Adam

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

Personal Investing Taxes Blog
How We Spent $15,000 on Our Honeymoon and Why We’d Do It Again
How We Spent $15,000 on Our Honeymoon and Why We’d Do It Again
Adam

Written by Adam on August 6, 2018. 10 comments.

Personal Featured Blog
Minafi 2018 Q2 Summer Investment Report
Minafi 2018 Q2 Summer Investment Report
Adam

Written by Adam on July 23, 2018. 10 comments.

Personal Financial Independence Investing Blog
Plan Your Perfect Week in Retirement Today
Plan Your Perfect Week in Retirement Today
Adam

Written by Adam on July 16, 2018. 3 comments.

Personal Financial Independence Blog
My Personal Goals for Q3 2018 – Health, Book & Interactive Guide
My Personal Goals for Q3 2018 – Health, Book & Interactive Guide
Adam

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

Personal Goals Blog
My Personal Goals Review for Q2 2018
My Personal Goals Review for Q2 2018
Adam

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

Personal Goals Blog
The Minimal Investor ESPP Guide and Calculator
The Minimal Investor ESPP Guide and Calculator
Adam

Written by Adam on June 25, 2018. 16 comments.

Investing Blog
Minafi 1 Year Birthday! What I Learned In my First Full Year Blogging
Minafi 1 Year Birthday! What I Learned In my First Full Year Blogging
Adam

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

Personal Investing Meta Blog
I Just Sold My Used Car for $150,000+ FI Dollars
I Just Sold My Used Car for $150,000+ FI Dollars
Adam

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

Personal Financial Independence Blog
What You Should Know About Investing At Every Age From 16 to 60
What You Should Know About Investing At Every Age From 16 to 60
Adam

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

Personal Investing Blog
What Should You Do With a Sudden Windfall?
What Should You Do With a Sudden Windfall?
Adam

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

Personal Investing Blog
I’ve Tracked My Spending For 8+ Years and Here’s What I Learned
I’ve Tracked My Spending For 8+ Years and Here’s What I Learned
Adam

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

Personal Financial Independence Blog
What’s the Difference Between Fire, Lean Fire, and Fat Fire?
What’s the Difference Between Fire, Lean Fire, and Fat Fire?
Adam

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

Financial Independence Featured Data Blog
Find Your Irresistible Staircase to Early Retirement
Find Your Irresistible Staircase to Early Retirement
Adam

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

Minimalism Financial Independence Blog
The Gender Pay Gap Told Through Data From the Finance Blogging Community
The Gender Pay Gap Told Through Data From the Finance Blogging Community
Adam

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

Financial Independence Investing Interactive Featured Blog
Your House Doesn’t Count Towards the 4% Rule
Your House Doesn’t Count Towards the 4% Rule
Adam

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

Personal Financial Independence Blog
Mastery is a Trap
Mastery is a Trap
Adam

Written by Adam on April 23, 2018.

Personal Mindfulness Goals Featured Blog
When Pursuing Early Retirement, You Must Be Armed With a Bag of Whys
When Pursuing Early Retirement, You Must Be Armed With a Bag of Whys
Adam

Written by Adam on April 19, 2018.

Mindfulness Financial Independence Blog
Minafi 2018 Q1 Spring Investment Report
Minafi 2018 Q1 Spring Investment Report
Adam

Written by Adam on April 16, 2018. 9 comments.

Personal Financial Independence Investing Featured Blog
How Tradition Tricks You Into Wanting Things You Don’t Need
How Tradition Tricks You Into Wanting Things You Don’t Need
Adam

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

Personal Mindfulness Minimalism Blog
Why I Turned Down Double My Salary
Why I Turned Down Double My Salary
Adam

Written by Adam on April 9, 2018. 6 comments.

Personal Financial Independence Blog
I Make Enough Money to Live in a Minimalist House
I Make Enough Money to Live in a Minimalist House
Adam

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

Personal Minimalism Blog
My Personal Goals for Q2 2018 – Health, Growth and Creation
My Personal Goals for Q2 2018 – Health, Growth and Creation
Adam

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

Personal Goals Meta Blog
The Woke Investor – Investing Tips For When You’re Already Awesome
The Woke Investor – Investing Tips For When You’re Already Awesome
Adam

Written by Adam on April 1, 2018. 6 comments.

Investing Featured Blog
March 2018 Goals Review – Slow Movement
March 2018 Goals Review – Slow Movement
Adam

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

Personal Goals Blog
Use Buffett’s 25/5 Technique to Prioritize Personal Goals
Use Buffett’s 25/5 Technique to Prioritize Personal Goals
Adam

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

Personal Goals Blog
Pay Fewer Fees by Reverse Engineering Retirement Date Funds
Pay Fewer Fees by Reverse Engineering Retirement Date Funds
Adam

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

Investing Blog
11 Mistakes Made By First-Time Investors
11 Mistakes Made By First-Time Investors
Adam

Written by Adam on March 19, 2018. 2 comments.

Investing Blog
Be Mindful of False Productivity
Be Mindful of False Productivity
Adam

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

Mindfulness Goals Blog
Why I’m Loving Apartment Living After 35 Years in a House
Why I’m Loving Apartment Living After 35 Years in a House
Adam

Written by Adam on March 5, 2018. 23 comments.

Personal Minimalism Blog
March 2018 Goals – Slow Movement
March 2018 Goals – Slow Movement
Adam

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

Personal Goals Blog
February 2018 Goals Review – Use Everything
February 2018 Goals Review – Use Everything
Adam

Written by Adam on February 28, 2018.

Personal Goals Blog
Do You Vacation or Travel?
Do You Vacation or Travel?
Adam

Written by Adam on February 26, 2018. 15 comments.

Personal Financial Independence Travel Blog
Understanding Your Asset Allocation with Spreadsheets and Personal Capital
Understanding Your Asset Allocation with Spreadsheets and Personal Capital
Adam

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

Investing Blog
Commitment Devices for Minimalism and Simple Living
Commitment Devices for Minimalism and Simple Living
Adam

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

Personal Minimalism Goals Blog
My Favorite Books for January 2018
My Favorite Books for January 2018
Adam

Written by Adam on February 12, 2018. 4 comments.

Personal Blog
What’s Your Growth Story?
What’s Your Growth Story?
Adam

Written by Adam on February 7, 2018. 8 comments.

Mindfulness Goals Blog
February 2018 Goals – Use Everything
February 2018 Goals – Use Everything
Adam

Written by Adam on February 2, 2018. 7 comments.

Personal Goals Blog
January 2018 Goals Review – Minimal Investor Course Update
January 2018 Goals Review – Minimal Investor Course Update
Adam

Written by Adam on January 31, 2018.

Personal Goals Blog
My Secret Weapon for Minimalism: A Crazy Fast Photo Scanner
Adam

Written by Adam on January 29, 2018. 10 comments.

Personal Minimalism Featured Blog
How Speculative Investing (No, Not $GME) Brought Me Closer to FI
How Speculative Investing (No, Not $GME) Brought Me Closer to FI
Adam

Written by Adam on January 26, 2018. 15 comments.

Personal Financial Independence Investing Blog
Earning Time
Earning Time
Adam

Written by Adam on January 24, 2018. 2 comments.

Mindfulness Minimalism Investing Blog
The Simple Path to Wealth Book Review
Adam

Written by Adam on January 19, 2018. 8 comments.

Investing Blog
Reduce Kitchen Clutter with The Dishwasher Challenge
Reduce Kitchen Clutter with The Dishwasher Challenge
Adam

Written by Adam on January 17, 2018. 7 comments.

Personal Minimalism Blog
Minafi 2017 Q4 Winter Investment Report
Minafi 2017 Q4 Winter Investment Report
Adam

Written by Adam on January 15, 2018. 14 comments.

Personal Financial Independence Investing Featured Blog
9 Songs About Money You Won’t Hear on the Radio
9 Songs About Money You Won’t Hear on the Radio
Adam

Written by Adam on January 12, 2018. 5 comments.

Investing Blog
What’s a Moment Where You Felt The Most Euphoric?
What’s a Moment Where You Felt The Most Euphoric?
Adam

Written by Adam on January 10, 2018. 1 comment.

Personal Mindfulness Blog
My Favorite 66 Books Read in 2017
My Favorite 66 Books Read in 2017
Adam

Written by Adam on January 8, 2018. 11 comments.

Personal Blog
There is No Such Thing as a Minimalist Life
There is No Such Thing as a Minimalist Life
Adam

Written by Adam on January 5, 2018. 6 comments.

Minimalism Blog
January 2018 Goals – Writing Entirely Too Much!
January 2018 Goals – Writing Entirely Too Much!
Adam

Written by Adam on January 3, 2018. 4 comments.

Personal Goals Blog
December 2017 Goal Review: Minafi Content & Settling into Salt Lake City
December 2017 Goal Review: Minafi Content & Settling into Salt Lake City
Adam

Written by Adam on December 31, 2017. 2 comments.

Personal Goals Blog
Week in Review – December 30, 2017
Week in Review – December 30, 2017
Adam

Written by Adam on December 30, 2017. 5 comments.

Sharing Blog
My Top 10 Favorite Posts on Minafi from 2017
My Top 10 Favorite Posts on Minafi from 2017
Adam

Written by Adam on December 29, 2017.

Personal Meta Blog
Living for Tomorrow vs Living for Today
Living for Tomorrow vs Living for Today
Adam

Written by Adam on December 22, 2017.

Mindfulness Financial Independence Blog
Growing Kids Self-Control For $5 a Week
Growing Kids Self-Control For $5 a Week
Adam

Written by Adam on December 20, 2017. 23 comments.

Mindfulness Investing Blog
All my Coworkers Just Learned about my Blog – Here’s What Happened
All my Coworkers Just Learned about my Blog – Here’s What Happened
Adam

Written by Adam on December 18, 2017. 4 comments.

Personal Blog
Lagom: Swedish Minimalism for Enough
Lagom: Swedish Minimalism for Enough
Adam

Written by Adam on December 15, 2017. 16 comments.

Mindfulness Minimalism Blog
Exploring the Compound Interest Formula through Examples
Exploring the Compound Interest Formula through Examples
Adam

Written by Adam on December 13, 2017. 4 comments.

Financial Independence Investing Blog
Spotlight Your Potential with Keystone Habits
Spotlight Your Potential with Keystone Habits
Adam

Written by Adam on December 11, 2017. 4 comments.

Personal Mindfulness Blog
Coinbase Review: The Easiest Way to Get Started Investing in Bitcoin
Coinbase Review: The Easiest Way to Get Started Investing in Bitcoin
Adam

Written by Adam on December 8, 2017. 12 comments.

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

Written by Adam on December 5, 2017. 40 comments.

Personal Financial Independence Calculators Blog
November / December 2017 Goals & Moving Status!
November / December 2017 Goals & Moving Status!
Adam

Written by Adam on December 1, 2017. 11 comments.

Personal Goals Blog
The Burden of Now
The Burden of Now
Adam

Written by Adam on November 21, 2017. 1 comment.

Mindfulness Goals Blog
Where Are You On The Minimalist Living Spectrum?
Where Are You On The Minimalist Living Spectrum?
Adam

Written by Adam on November 16, 2017. 7 comments.

Minimalism Blog
The Real Cost of LASIK Eye Surgery – Is It Worth it?
The Real Cost of LASIK Eye Surgery – Is It Worth it?
Adam

Written by Adam on November 8, 2017. 17 comments.

Personal Blog
Data Says the Millennial Early Retirement Age is 40 – Here’s How They Could Do It
Data Says the Millennial Early Retirement Age is 40 – Here’s How They Could Do It
Adam

Written by Adam on November 6, 2017. 15 comments.

Minimalism Financial Independence Interactive Data Blog
October / November 2017 Goals & Moving Announcement!
October / November 2017 Goals & Moving Announcement!
Adam

Written by Adam on November 1, 2017. 18 comments.

Personal Goals Blog
My FinCon 2017: Accidental Connections, Beer & Memories
My FinCon 2017: Accidental Connections, Beer & Memories
Adam

Written by Adam on October 30, 2017. 28 comments.

Personal Blog
Build Focus with Roosevelt Dashes
Build Focus with Roosevelt Dashes
Adam

Written by Adam on October 23, 2017. 4 comments.

Goals Blog
My Failure Resume: A Story of 22 Failures Over 18 years
My Failure Resume: A Story of 22 Failures Over 18 years
Adam

Written by Adam on October 18, 2017. 7 comments.

Personal Mindfulness Blog
Minimal Hurricane Preparation
Minimal Hurricane Preparation
Adam

Written by Adam on October 16, 2017. 1 comment.

Personal Minimalism Blog
Seeking Mentors
Seeking Mentors
Adam

Written by Adam on October 13, 2017.

Personal Mindfulness Blog
When Are You On Autopilot and Not In the Moment
When Are You On Autopilot and Not In the Moment
Adam

Written by Adam on October 11, 2017. 3 comments.

Personal Mindfulness Blog
Minafi 2017 Q3 Fall Investment Report
Minafi 2017 Q3 Fall Investment Report
Adam

Written by Adam on October 9, 2017. 15 comments.

Personal Financial Independence Investing Blog
Mutual Funds vs ETFs: What’s the Difference Between Them?
Mutual Funds vs ETFs: What’s the Difference Between Them?
Adam

Written by Adam on October 4, 2017. 1 comment.

Financial Independence Investing Blog
September / October 2017 Personal Goals & Review
September / October 2017 Personal Goals & Review
Adam

Written by Adam on October 1, 2017. 6 comments.

Personal Goals Blog
Joy is a Skill, Remember to Practice It
Joy is a Skill, Remember to Practice It
Adam

Written by Adam on September 25, 2017. 9 comments.

Mindfulness Minimalism Blog
Simplify Your Desktop with Bartender
Simplify Your Desktop with Bartender
Adam

Written by Adam on September 20, 2017. 1 comment.

Minimalism Blog
How I Learned to be Less Critical of Others
How I Learned to be Less Critical of Others
Adam

Written by Adam on September 18, 2017. 1 comment.

Mindfulness Blog
How I Would (and Do) Invest $1 Million
How I Would (and Do) Invest $1 Million
Adam

Written by Adam on September 15, 2017. 17 comments.

Financial Independence Investing Blog
Why I Don’t Blog Anonymously
Why I Don’t Blog Anonymously
Adam

Written by Adam on September 13, 2017. 14 comments.

Personal Minimalism Blog
Why Minafi’s Logo is a Torii
Why Minafi’s Logo is a Torii
Adam

Written by Adam on September 11, 2017. 5 comments.

Mindfulness Meta Blog
The Minafi Money Map
The Minafi Money Map
Adam

Written by Adam on September 7, 2017. 7 comments.

Financial Independence Blog
Why Write An Interactive Guide to FIRE?
Why Write An Interactive Guide to FIRE?
Adam

Written by Adam on September 5, 2017.

Personal Financial Independence Investing Blog
August / September 2017 Personal Goals & Review
August / September 2017 Personal Goals & Review
Adam

Written by Adam on September 1, 2017.

Personal Goals Meta Blog
The 6 People Who Inspire Me The Most
The 6 People Who Inspire Me The Most
Adam

Written by Adam on August 31, 2017.

Personal Mindfulness Blog
What Are You Accidentally Accumulating?
What Are You Accidentally Accumulating?
Adam

Written by Adam on August 28, 2017. 2 comments.

Minimalism Blog
Foregoing Cultural Cognizance
Foregoing Cultural Cognizance
Adam

Written by Adam on August 25, 2017.

Mindfulness Blog
Create a Consumption Ledger
Create a Consumption Ledger
Adam

Written by Adam on August 23, 2017. 2 comments.

Goals Blog
The Minafi FIRE Prowess Score
The Minafi FIRE Prowess Score
Adam

Written by Adam on August 19, 2017. 9 comments.

Personal Financial Independence Blog
Minimalist are not Nomads, but Nomads are Minimalists
Minimalist are not Nomads, but Nomads are Minimalists
Adam

Written by Adam on August 17, 2017.

Minimalism Blog
How to Invest During a Bitcoin Bubble
How to Invest During a Bitcoin Bubble
Adam

Written by Adam on August 15, 2017. 3 comments.

Financial Independence Investing Blog
Our 7 Rules of Travel Spending
Our 7 Rules of Travel Spending
Adam

Written by Adam on August 10, 2017. 16 comments.

Financial Independence Blog
Use Savings Rate as a Lifestyle Inflation Canary
Use Savings Rate as a Lifestyle Inflation Canary
Adam

Written by Adam on August 7, 2017. 21 comments.

Financial Independence Blog
The Simple Three Fund Portfolio at Vanguard
The Simple Three Fund Portfolio at Vanguard
Adam

Written by Adam on August 3, 2017. 19 comments.

Financial Independence Investing Blog
July / August 2017 Personal Goals & Review
July / August 2017 Personal Goals & Review
Adam

Written by Adam on August 1, 2017. 2 comments.

Goals Blog
Comparison is the Thief of Joy, but How Do You Stop?
Comparison is the Thief of Joy, but How Do You Stop?
Adam

Written by Adam on July 28, 2017. 2 comments.

Mindfulness Blog
Why I Don’t Want to be a Landlord or Invest in Real Estate
Why I Don’t Want to be a Landlord or Invest in Real Estate
Adam

Written by Adam on July 26, 2017. 8 comments.

Financial Independence Blog
How to Listen to 100 Audiobooks a Year
How to Listen to 100 Audiobooks a Year
Adam

Written by Adam on July 19, 2017. 2 comments.

Goals Blog
My Reaction to the 2008 Recession and Why I Still Invest in Bonds
My Reaction to the 2008 Recession and Why I Still Invest in Bonds
Adam

Written by Adam on July 17, 2017. 3 comments.

Personal Financial Independence Blog
If You Want to Reach Your Goals, Track Your Activities
If You Want to Reach Your Goals, Track Your Activities
Adam

Written by Adam on July 14, 2017. 1 comment.

Mindfulness Blog
Challenge Yourself with Weekly Task Planning Using Todoist
Challenge Yourself with Weekly Task Planning Using Todoist
Adam

Written by Adam on July 12, 2017. 3 comments.

Mindfulness Goals Blog
What Opinion do you Hold that Many People Would Disagree With?
What Opinion do you Hold that Many People Would Disagree With?
Adam

Written by Adam on July 10, 2017. 3 comments.

Mindfulness Blog
The Only Piece of Luggage You Need
The Only Piece of Luggage You Need
Adam

Written by Adam on July 8, 2017.

Minimalism Blog
Why You Think in the Mediums Of Your Message
Why You Think in the Mediums Of Your Message
Adam

Written by Adam on July 6, 2017. 1 comment.

Mindfulness Blog
What Does Financial Independence Mean to Me? Is it Just About Quitting and Retiring?
What Does Financial Independence Mean to Me? Is it Just About Quitting and Retiring?
Adam

Written by Adam on July 4, 2017. 6 comments.

Personal Financial Independence Blog
Which Investment Accounts Should I Use?
Which Investment Accounts Should I Use?
Adam

Written by Adam on July 2, 2017. 3 comments.

Financial Independence Investing Blog
July 2017: Monthly Goals
July 2017: Monthly Goals
Adam

Written by Adam on July 1, 2017.

Personal Goals Blog
Avoiding the Lifestyle Inflation Trap
Avoiding the Lifestyle Inflation Trap
Adam

Written by Adam on June 30, 2017.

Minimalism Blog
June 2017: Monthly Goal Review
June 2017: Monthly Goal Review
Adam

Written by Adam on June 29, 2017.

Personal Goals Blog
Improve Your Focus By Setting Monthly Goals
Improve Your Focus By Setting Monthly Goals
Adam

Written by Adam on June 28, 2017.

Mindfulness Blog
5 Steps to Change Your Default Consumption Behavior
5 Steps to Change Your Default Consumption Behavior
Adam

Written by Adam on June 27, 2017. 2 comments.

Mindfulness Minimalism Blog
Medium Journaling is Minimalism
Medium Journaling is Minimalism
Adam

Written by Adam on June 26, 2017.

Minimalism Blog
Why Should I Invest Now? — How To Be Brave & Start Investing
Why Should I Invest Now? — How To Be Brave & Start Investing
Adam

Written by Adam on June 24, 2017.

Financial Independence Investing Blog
What is Your Personal Mission?
What is Your Personal Mission?
Adam

Written by Adam on June 21, 2017.

Mindfulness Blog
My 2016 Year in Review
My 2016 Year in Review
Adam

Written by Adam on January 1, 2017.

Personal Blog
Tracking & Forecasting Expenses with Mint, Todoist and Google Sheets
Tracking & Forecasting Expenses with Mint, Todoist and Google Sheets
Adam

Written by Adam on October 9, 2016. 1 comment.

Financial Independence Blog
Novelty
Novelty
Adam

Written by Adam on September 24, 2016.

Minimalism Blog
What is Financial Independence?
What is Financial Independence?
Adam

Written by Adam on September 18, 2016.

Financial Independence Blog
Practice Poverty
Practice Poverty
Adam

Written by Adam on September 12, 2016.

Mindfulness Minimalism Blog
Want Streaks
Want Streaks
Adam

Written by Adam on August 21, 2016.

Minimalism Blog
What’s Your Weekly Spending Distribution?
What’s Your Weekly Spending Distribution?
Adam

Written by Adam on August 18, 2016.

Financial Independence Blog
Handling Blame
Handling Blame
Adam

Written by Adam on August 15, 2016.

Mindfulness Blog
Newspaper Mindfulness Exercise
Newspaper Mindfulness Exercise
Adam

Written by Adam on August 12, 2016.

Mindfulness Blog
Make Fewer Choices with Decision Minimalism
Make Fewer Choices with Decision Minimalism
Adam

Written by Adam on August 9, 2016.

Minimalism Blog
How to Declutter: My Uncluttering Manifesto
How to Declutter: My Uncluttering Manifesto
Adam

Written by Adam on August 6, 2016.

Personal Minimalism Blog
Investment Literacy: Understanding the Basic Concepts
Investment Literacy: Understanding the Basic Concepts
Adam

Written by Adam on August 6, 2016.

Financial Independence Investing Blog
Write Your ‘Year in Review’ Post Now
Write Your ‘Year in Review’ Post Now
Adam

Written by Adam on July 31, 2016.

Mindfulness Goals Blog
2015 Year In Review
2015 Year In Review
Adam

Written by Adam on January 1, 2016.

Personal Blog
2014 Year In Review
2014 Year In Review
Adam

Written by Adam on January 1, 2015.

Personal Blog
2013 Year In Review
2013 Year In Review
Adam

Written by Adam on January 1, 2014.

Personal Blog
2012 Year in Review
2012 Year in Review
Adam

Written by Adam on January 1, 2013.

Personal Blog
2011 Year in Review
2011 Year in Review
Adam

Written by Adam on January 1, 2012.

Personal Blog
2010 Year in Review
2010 Year in Review
Adam

Written by Adam on January 1, 2011. 1 comment.

Personal Blog
How Is This Site Built?
How Is This Site Built?
Adam

Written by Adam on April 1, 2019.

Meta
Where to Learn on Minafi
Where to Learn on Minafi
Adam

Written by Adam on March 27, 2019.

My Favorite Blogs
My Favorite Blogs
Adam

Written by Adam on March 27, 2019.

My Favorite Books
Adam

Written by Adam on November 3, 2019.

The Focused Investor Series
Adam

Written by Adam on November 4, 2018.

Recommendations: Tools I Use
Adam

Written by Adam on October 9, 2018.

Blog
Adam

Written by Adam on October 4, 2018.

Privacy Policy
Adam

Written by Adam on May 6, 2018.

Minafi Income & Expenses
Adam

Written by Adam on March 27, 2018.

Personal Meta
Minafi Vision & Mission
Adam

Written by Adam on March 26, 2018.

Goals Meta
Minafi Brand Assets
Adam

Written by Adam on September 6, 2017.

Meta
An Interactive Guide to Early Retirement and Financial Independence
An Interactive Guide to Early Retirement and Financial Independence
Adam

Written by Adam on September 2, 2017. 116 comments.

Financial Independence Investing Interactive
Thank You!
Adam

Written by Adam on August 15, 2017.

What I’m Doing Right Now
Adam

Written by Adam on August 13, 2017.

Advertiser Disclosure
Adam

Written by Adam on July 28, 2017.

Contact Me
Adam

Written by Adam on December 14, 2016.

7 Features From Minafi v2 I’m Excited to Announce!
7 Features From Minafi v2 I’m Excited to Announce!
Adam

Written by Adam on April 29, 2019. 2 comments.

Meta Blog
Mint vs YNAB – Which Budgeting App is Right For You?
Mint vs YNAB – Which Budgeting App is Right For You?
Adam

Written by Adam on May 16, 2019. 12 comments.

Featured Personal Finance Blog
April 2019 Investment, Goals and Spending Breakdown
April 2019 Investment, Goals and Spending Breakdown
Adam

Written by Adam on May 6, 2019. 6 comments.

Personal Blog
The Last Gift My Mom Ever Gave Me
The Last Gift My Mom Ever Gave Me
Adam

Written by Adam on May 20, 2019. 4 comments.

Personal Blog
Prevent Your Investments from Theft! Secure Your Vanguard Account with Yubikeys and Google Voice
Prevent Your Investments from Theft! Secure Your Vanguard Account with Yubikeys and Google Voice
Adam

Written by Adam on May 23, 2019. 3 comments.

Financial Independence Investing Blog
A Day of FIRE – Expectation vs Reality
A Day of FIRE – Expectation vs Reality
Adam

Written by Adam on May 13, 2019. 8 comments.

Personal Financial Independence Blog
Exponential Growth Calculator [solve for any variable]
Exponential Growth Calculator [solve for any variable]
Adam

Written by Adam on May 27, 2019.

Investing Interactive Calculators Blog
May Goals, Investments and Spending – Running, Hiking and Enjoying Time Outside
May Goals, Investments and Spending – Running, Hiking and Enjoying Time Outside
Adam

Written by Adam on June 3, 2019. 2 comments.

Personal Blog
Where Are You on the FIRE Spectrum?
Where Are You on the FIRE Spectrum?
Adam

Written by Adam on June 10, 2019. 6 comments.

Financial Independence Blog
6 Thoughts After 6 Months of Early Retirement
6 Thoughts After 6 Months of Early Retirement
Adam

Written by Adam on June 17, 2019. 9 comments.

Personal Financial Independence Blog
My Four Phases of Financial Independence
My Four Phases of Financial Independence
Adam

Written by Adam on June 24, 2019. 5 comments.

Personal Investing Blog
Fernweh – A Longing for Travel and Places Unseen
Fernweh – A Longing for Travel and Places Unseen
Adam

Written by Adam on July 15, 2019. 6 comments.

Mindfulness Financial Independence Blog
June 2019 Goals, Investments & Spending – Running, Camping, Focusing, Sleep No More
June 2019 Goals, Investments & Spending – Running, Camping, Focusing, Sleep No More
Adam

Written by Adam on July 8, 2019. 11 comments.

Personal Blog
The 7 Most Common 401(k) Mistakes [and how to fix them]
The 7 Most Common 401(k) Mistakes [and how to fix them]
Adam

Written by Adam on July 22, 2019. 10 comments.

Investing Blog
The Periodic Table of FIRE! [Interactive]
The Periodic Table of FIRE! [Interactive]
Adam

Written by Adam on July 29, 2019. 29 comments.

Financial Independence Interactive Featured Blog
What is Your Rainy Day Project?
What is Your Rainy Day Project?
Adam

Written by Adam on August 19, 2019. 9 comments.

Mindfulness Financial Independence Blog
An Interactive Guide to Portfolio Diversification
An Interactive Guide to Portfolio Diversification
Adam

Written by Adam on September 2, 2019. 1 comment.

Investing Interactive Featured Data Blog
FinCon 2019 – Washington, D.C, Friends and Inspiration
FinCon 2019 – Washington, D.C, Friends and Inspiration
Adam

Written by Adam on September 7, 2019. 46 comments.

Personal Blog
How A Basic Investing Mistake Cost Me $250,000 (and I Still Made it Twice)
How A Basic Investing Mistake Cost Me $250,000 (and I Still Made it Twice)
Adam

Written by Adam on September 30, 2019. 12 comments.

Personal Investing Blog
Why I’m Glad I Didn’t Learn About FIRE in My 20s
Why I’m Glad I Didn’t Learn About FIRE in My 20s
Adam

Written by Adam on September 23, 2019. 7 comments.

Personal Financial Independence Blog
Slow Minimalism
Slow Minimalism
Adam

Written by Adam on October 7, 2019. 12 comments.

Minimalism Blog
Press, Podcast and Blog Appearances
Adam

Written by Adam on October 8, 2019.

Minafi 2019 Q3 Fall Investment Report
Minafi 2019 Q3 Fall Investment Report
Adam

Written by Adam on October 21, 2019. 8 comments.

Personal Investing Blog
Why I Don’t Care About Free Stock Trades (And You Shouldn’t Either)
Why I Don’t Care About Free Stock Trades (And You Shouldn’t Either)
Adam

Written by Adam on October 29, 2019. 2 comments.

Investing Blog
Why Invest – All
Adam

Written by Adam on November 11, 2019.

Welcome
Adam

Written by Adam on November 14, 2019.

A Look Back at My First Year of FIRE
A Look Back at My First Year of FIRE
Adam

Written by Adam on December 14, 2019. 26 comments.

Personal Financial Independence Blog
Courses
Adam

Written by Adam on December 10, 2019.

January 2020 Theme: Focus
January 2020 Theme: Focus
Adam

Written by Adam on January 1, 2020. 4 comments.

Personal Goals Blog
My 2019 Year in Review
My 2019 Year in Review
Adam

Written by Adam on December 31, 2019. 11 comments.

Personal Blog
My Favorite 130 Books Read in 2019
My Favorite 130 Books Read in 2019
Adam

Written by Adam on January 20, 2020. 9 comments.

Personal Blog
February 2020 Theme: Finish
February 2020 Theme: Finish
Adam

Written by Adam on February 1, 2020. 5 comments.

Personal Goals Blog
Where Are You On the Financial Independence + Retirement Matrix?
Where Are You On the Financial Independence + Retirement Matrix?
Adam

Written by Adam on February 17, 2020. 11 comments.

Financial Independence Blog
March 2020 Theme: Routine
March 2020 Theme: Routine
Adam

Written by Adam on March 1, 2020. 6 comments.

Personal Goals Blog
Stoicism In the Time of a Market Virus
Stoicism In the Time of a Market Virus
Adam

Written by Adam on March 16, 2020. 5 comments.

Mindfulness Investing Personal Finance Blog
21 Activities To Keep You Focused On Your Future [or to help during social distancing]
21 Activities To Keep You Focused On Your Future [or to help during social distancing]
Adam

Written by Adam on March 23, 2020. 7 comments.

Mindfulness Blog
April 2020 Theme: Create
April 2020 Theme: Create
Adam

Written by Adam on April 1, 2020. 9 comments.

Personal Blog
Does This Mean the End of the FIRE Movement? [Answer: No]
Does This Mean the End of the FIRE Movement? [Answer: No]
Adam

Written by Adam on April 13, 2020. 23 comments.

Personal Financial Independence Investing Taxes Blog
May 2020 Theme: Work
May 2020 Theme: Work
Adam

Written by Adam on May 1, 2020. 12 comments.

Personal Blog
Calculators & Interactive Articles
Adam

Written by Adam on May 4, 2020.

Investment Fees Calculator – Compute Advisor, Expense Ratio and Load Fees Over Time
Investment Fees Calculator – Compute Advisor, Expense Ratio and Load Fees Over Time
Adam

Written by Adam on May 13, 2020. 2 comments.

Investing Calculators
The Complete Guide to Withdrawing Funds Early From Your 401(k), IRA and Roth IRA
The Complete Guide to Withdrawing Funds Early From Your 401(k), IRA and Roth IRA
Adam

Written by Adam on June 29, 2020. 9 comments.

Investing Taxes Blog
June 2020 Theme: Explore
June 2020 Theme: Explore
Adam

Written by Adam on June 2, 2020. 8 comments.

Personal Goals Blog
Why the S&P 500 Is the Single Best Investment You Can Make
Adam

Written by Adam on June 7, 2020.

July 2020 Theme: Vision
July 2020 Theme: Vision
Adam

Written by Adam on July 5, 2020. 2 comments.

Personal Goals Blog
7 Mindsets to Thrive in Financial Independence
7 Mindsets to Thrive in Financial Independence
Adam

Written by Adam on July 20, 2020. 3 comments.

Personal Mindfulness Blog
Why You Should Create a Local Bucket List
Why You Should Create a Local Bucket List
Adam

Written by Adam on July 27, 2020. 9 comments.

Personal Mindfulness Financial Independence Travel Blog
August 2020 Theme: Empty
August 2020 Theme: Empty
Adam

Written by Adam on August 9, 2020. 2 comments.

Personal Goals Blog
“Won’t You be Bored?” Why Creatives Thrive in Financial Independence
“Won’t You be Bored?” Why Creatives Thrive in Financial Independence
Adam

Written by Adam on September 7, 2020. 7 comments.

Mindfulness Financial Independence Blog
Which Accounts Should You Use to Invest for Retirement? [Interactive]
Which Accounts Should You Use to Invest for Retirement? [Interactive]
Adam

Written by Adam on September 21, 2020. 7 comments.

Investing Interactive Calculators Personal Finance Blog
Retirement Simulator
Retirement Simulator
Adam

Written by Adam on September 27, 2020.

Investing Interactive Calculators
December 2020 Theme: Enjoy
December 2020 Theme: Enjoy
Adam

Written by Adam on December 1, 2020. 5 comments.

Personal Goals Blog
Seven Takeaways from My Second Year of FIRE
Seven Takeaways from My Second Year of FIRE
Adam

Written by Adam on December 16, 2020. 30 comments.

Personal Financial Independence Blog
My Goals For 2021
My Goals For 2021
Adam

Written by Adam on December 27, 2020. 4 comments.

Personal Goals Blog
My 2020 Year in Review
My 2020 Year in Review
Adam

Written by Adam on December 31, 2020. 4 comments.

Personal Blog
Fund Compare
Adam

Written by Adam on January 8, 2021.

Funds Fund Compare
Fund
Adam

Written by Adam on January 8, 2021.

Funds
FSKAX VS FZROX
Adam

Written by Adam on January 8, 2021.

Funds Fund Compare
Betterment vs Wealthfront Guide: Which is Right For You?
Betterment vs Wealthfront Guide: Which is Right For You?
Adam

Written by Adam on January 20, 2021.

Investing Invest Invest Compare
Invest Compare
Adam

Written by Adam on January 20, 2021.

Fund Compare Invest Exclude Invest Compare
Invest
Adam

Written by Adam on January 20, 2021.

Invest Exclude
Betterment Fees
Adam

Written by Adam on January 23, 2021.

Invest Invest Fees
Betterment Review 2021: Is a Roboadvisor Worth It?
Adam

Written by Adam on January 24, 2021.

Invest
Robinhood
Adam

Written by Adam on January 25, 2021.

Invest Exclude
M1 Finance
Adam

Written by Adam on January 25, 2021.

Invest
Wealthfront
Adam

Written by Adam on January 25, 2021.

Invest Exclude
Webull
Adam

Written by Adam on January 26, 2021.

Invest Exclude
Is $ARKK Worth The Fee?
Adam

Written by Adam on February 3, 2021.

Funds Fund Fees
Arkk [internal]
Adam

Written by Adam on February 3, 2021.

Funds Fund Review
Funds [Internal]
Adam

Written by Adam on February 3, 2021.

Funds
How To Conduct a Weekly Review to Keep Yourself on Track
How To Conduct a Weekly Review to Keep Yourself on Track
Adam

Written by Adam on March 7, 2021. 10 comments.

Personal Goals Blog
Robinhood vs Webull: What’s the Best Free Investing App?
Adam

Written by Adam on February 15, 2021.

Invest Invest Compare
Why You Should Plant a (Symbolic) Garden For Early Retirement
Why You Should Plant a (Symbolic) Garden For Early Retirement
Adam

Written by Adam on February 21, 2021. 6 comments.

Personal Financial Independence Blog
How Many Stocks Should You Own In Your Portfolio?
How Many Stocks Should You Own In Your Portfolio?
Adam

Written by Adam on March 14, 2021.

Invest Blog
Lessons Learned From A Year of Monthly Themes
Lessons Learned From A Year of Monthly Themes
Adam

Written by Adam on February 28, 2021. 8 comments.

Personal Mindfulness Blog
Financial Independence Groups: Meetups, Forums, Events and How To Find Likeminded People
Financial Independence Groups: Meetups, Forums, Events and How To Find Likeminded People
Adam

Written by Adam on February 24, 2021. 4 comments.

Financial Independence Blog
FNILX vs FZROX
Adam

Written by Adam on March 1, 2021.

Funds Fund Compare
FSKAX vs VTSAX
Adam

Written by Adam on March 2, 2021.

Invest Invest Compare
5 Steps to Embrace Lifestyle Deflation Without Deprivation
5 Steps to Embrace Lifestyle Deflation Without Deprivation
Adam

Written by Adam on March 28, 2021. 6 comments.

Personal Blog
My Financial Spreadsheet: 5 Metrics to Track for Financial Independence
My Financial Spreadsheet: 5 Metrics to Track for Financial Independence
Adam

Written by Adam on March 21, 2021. 30 comments.

Personal Financial Independence Investing Blog
11 Things to Consider Before Investing in Cryptocurrency in 2021
11 Things to Consider Before Investing in Cryptocurrency in 2021
Adam

Written by Adam on March 3, 2021.

Investing Spotlight
How to Get Out of a Timeshare: 5 Proven Ways
How to Get Out of a Timeshare: 5 Proven Ways
Adam

Written by Adam on January 11, 2021.

Spotlight
Investing for Beginners: From Your First $1 to $10k and Beyond
Investing for Beginners: From Your First $1 to $10k and Beyond
Adam

Written by Adam on April 11, 2021. 3 comments.

Investing Personal Finance Blog
My Life & Goals Updates So Far for 2021
My Life & Goals Updates So Far for 2021
Adam

Written by Adam on April 4, 2021. 7 comments.

Personal Goals Blog
Here’s Why You Feel Exhausted: A Look at Thinking vs Doing
Here’s Why You Feel Exhausted: A Look at Thinking vs Doing
Adam

Written by Adam on April 25, 2021. 4 comments.

Personal Mindfulness Financial Independence Blog
Top 21 Zip Codes for Real Estate Investing in 2021
Top 21 Zip Codes for Real Estate Investing in 2021
Adam

Written by Adam on March 19, 2021.

Investing Spotlight
How To Make Money On Facebook and 14 Ways People Are Doing It
How To Make Money On Facebook and 14 Ways People Are Doing It
Adam

Written by Adam on March 26, 2021.

Personal Finance Spotlight
Here is Your Guide to the Best Personal Finance Software
Here is Your Guide to the Best Personal Finance Software
Adam

Written by Adam on April 2, 2021.

Personal Finance Spotlight
Calculate Your FI Number With State and Federal Taxes (It’s More Than You Think)
Calculate Your FI Number With State and Federal Taxes (It’s More Than You Think)
Adam

Written by Adam on April 18, 2021. 10 comments.

Financial Independence Interactive Taxes Calculators Blog
Photos – Japan
Adam

Written by Adam on April 13, 2021.

Hidden
Photos
Adam

Written by Adam on April 13, 2021.

Hidden
Understanding the Expense Ratio and How It Affects Your Investments
Understanding the Expense Ratio and How It Affects Your Investments
Adam

Written by Adam on April 21, 2021.

Investing Spotlight
Most Iconic Road Trips in Every State
Most Iconic Road Trips in Every State
Adam

Written by Adam on April 28, 2021.

Travel Spotlight
My Biggest Investment Mistake and the Lessons I’ve Learned
My Biggest Investment Mistake and the Lessons I’ve Learned
Adam

Written by Adam on May 5, 2021. 1 comment.

Invest Spotlight
Minafi Summer Break, Life & Goals Updates for Q2 2021
Minafi Summer Break, Life & Goals Updates for Q2 2021
Adam

Written by Adam on July 4, 2021. 9 comments.

Personal Goals Travel Blog
Startup FIRE
Startup FIRE
Adam

Written by Adam on September 11, 2021. 10 comments.

Personal Financial Independence
My Doomed Adventure Hiking the Highline Trail
My Doomed Adventure Hiking the Highline Trail
Adam

Written by Adam on October 24, 2021. 2 comments.

Personal Travel Spotlight
Three Years of Early Retirement – Mindset Changes and Realizations
Three Years of Early Retirement – Mindset Changes and Realizations
Adam

Written by Adam on December 30, 2021. 10 comments.

Personal Mindfulness Blog Spotlight
My 2021 Year in Review
My 2021 Year in Review
Adam

Written by Adam on March 1, 2022. 1 comment.

Personal
I’m 40 Today. Here’s What I Want From My Next 10 Years To Look Like
I’m 40 Today. Here’s What I Want From My Next 10 Years To Look Like
Adam

Written by Adam on June 4, 2022. 16 comments.

Personal Goals

Minafi - The intersection of FI, minimalism & mindfulness.

Don't miss out on new posts, courses, interactive articles and more!

Join & Get Your First Course Free

© 2022   Adam Fortuna

Site Map
Triangle Graduation Cap Angle Down Book regular Phone laptop regular fire regular fire regular search regular Acorn duotone Seedling duotone head-side-brain-duotone landmark-duotone bullseye-arrow-duotone landmark-duotone hand-holding-usd-duotone user-tie-duotone user-astronaut-duotone tree-palm-duotone