Our public display of wellness is a real problem, and it feeds into the idea that you have to buy wellness. I wear tattered lacrosse shorts from high school and whatever sports bra happens to not be dirty. Interestingly, I was dealing with a health crisis of my own while we were writing this book, which made the whole experience a lot more personal for me. For the last five years he could no longer walk.
I had just gotten married to a man who likes to hike and ski and climb mountains, and I was worried that my muscles would deteriorate and he would have to take care of me and I would have to be in a wheelchair. So I started to explore the whole world of wellness because I knew I needed to get stronger. I looked into activated charcoal and acupuncture and all of those things and what I came back to is to just eat right and move my body.
There is nothing more. I have no choice but to pay attention to my diet and my fitness. For starters, I try not to eat shit i. But I also no longer pay for juice cleanses or diet fad foods that claim to jumpstart my metabolism, make me glow, or change my life. If I want juice, I will go to the farmers market, pick up fruits and veggies, and make myself a smoothie.
I eat a lot of real meat and cheese and a little less bread but I still eat good bread. That's it. That's what I've realized works for me. I also run 3 miles outside three times a week, and do yoga four times a week. I try to do weight training twice a week too. Otherwise, I walk and bike everywhere—San Francisco is great for biking—and I go hiking on the weekends. You should enjoy it. That said, if you enjoy the classes and can afford them, go for it.
Lucy still does. She says, "I only work out at boutique fitness classes. It's just my thing. For some people, it's running marathons , but for me it's a class with an inspiring instructor and inspiring clients—and New York is filled with them. Sign up for our Newsletter and join us on the path to wellness.
Packing for Africa
And we sweated from dawn to dusk. Next, we boarded a small passenger cruise ship for a ten-day tour of the eastern Mediterranean. We spent a day on Corfu, visited a Turkish resort town, and wandered the walled city core of Dubrovnik where Game of Thrones' King's Landing was filmed. Mostly, though, we saw more of Italy. After a final two nights in Venice, we flew from Italy to Washington, D. FinCon started in as a small -ish gathering for a couple hundred financial bloggers.
It's now ten times its original size and draws legit financial journalists from all sorts of platforms. For me, though, FinCon isn't about meeting brands or looking for new ways to make money. Some of that happens, sure, but I spend most of my time catching up with colleagues. Ten years ago, these folks were mostly strangers.
Today, they're some of my closest friends. It's fun to renew existing bonds, but I also enjoy forging new ones. Each year, I connect with new folks that I come to respect and admire. In , for instance, I met Marcus Garrett. We were paired as mentor and mentee for the week.
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They're killing it. It's no secret that this is my favorite money blog. It's smart, irreverent, and hilarious. I'm pleased to report that I spent more time with the bitches this year and Kim hung out with them too. They're even smarter, funnier, and more irreverent in person. These are all quality folks doing quality work. While FinCon is mostly social for me, it's not all about the friendships. I did meet with plenty of folks who want to advertise on this site, for instance. Mostly, I said no.
Plus, I joined my business partner Tom Drake and a couple of other friends to present a panel discussion on collaboration. And this year? This year, I actually had a huge take-away from FinCon, one that will shape the future of this site. Ramit started as a money blogger, but has transitioned into a successful entrepreneur with a burgeoning business that helps people solve all sorts of personal problems.
The core idea of Ramit's talk struck me hard. By this he means that we as content creators should stand for something. We should have a clear message. People should know what our sites or channels are about. You know what? Not even I know what Get Rich Slowly has been about for the past two years. After I sold the site, the message became less clear. When I founded Money Boss in , that site had a very clear point of view.
In fact, I named the site for its point of view. I wanted readers to act as the CFO of their household finances. I wanted them to accept personal responsibility for mastering their money — and their lives.
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Because Money Boss had a strong point of view, it was easy to write. I always knew the angle for each article I started. When I reacquired Get Rich Slowly in , my first few months were very productive. I had lots of things I wanted to say. I had plenty of updates I wanted to share. Gradually, though, I lost my way. I wrote less often. I didn't have direction. Why not? Because this site didn't have a point of view. It didn't have a central message. That's part of why things have been such a struggle for me this year.
Listening to Ramit's talk made me realize that in order for me to enjoy writing here, and in order for this site to be useful to readers, I need a point of view. I need to be clear on what my message is. Fortunately, I already know my message. My message is: You need to be the money boss. That ship has sailed. Plus, I prefer the name Get Rich Slowly. However, I am going to deliberately steer this site's message toward my Money Boss philosophy. I subscribe to its ideals you are ultimately responsible for your own financial success more today than ever before.
So, that's the big news: After two years of drifting, I know what message I want to convey to you, the readers. I want to help you all become money bosses. Or to become better money bosses. The bottom line for this blog: Quantity will decrease but quality should improve. Plus, I now have a clear editorial lens that should help me stay focused. Sound good? Sounds great to me!
Paula Pant hamming it up with me while taping an episode of Afford Anything. His name is Dave. Her name is Michal. His name is Rob. He wants to achieve financial freedom at a young age. Yet, fresh out of college, he has mountains of debt. He makes a good salary, but most of it goes to paying school loans and everyday expenses. A flywheel is a mechanical device designed to efficiently store rotational energy. I majored in English. Anybody who has taken a spin class and tried to stop the pedals with their feet has learned firsthand just how much a moving flywheel wants to keep moving!
Today, I want to tell you about the flywheel of wealth. Like any flywheel, it can be slow to get started. But once it's moving, it's almost unstoppable. Most young entrepreneurs experience the flywheel. The new realtor struggles to get her first sale. The second sale is just as hard. So is the tenth. As she struggles, she watches long-time realtors get new clients with ease. An online entrepreneur struggles to get visitors to his new website. He publishes great content, yet watches as long-established websites, even those with lesser quality content, get gobs of visitors.
I can remember publishing my first article on my personal finance site, The Dough Roller. I was terrified. I knew that as soon as I clicked publish, the entire world could see my ideas, my thoughts, my opinions. How would they react? With adrenalin aplenty, I clicked publish and sat back and waited, and waited, and waited. Nothing happened. In hindsight, my fear was comical. Absolutely nobody, and I mean nobody, read that first article published on 27 May I was pushing against a flywheel that was at a dead stop.
Up at am seven days a week to work on my blog, I kept pushing against that flywheel. On the subway going to work I pushed some more. I pushed against the flywheel at lunch. I pushed against the flywheel at night after the family went to bed. Then the inner voice we all have spoke up. Just give up. It took six months following this schedule before the flywheel begrudgingly moved ever so slightly. I kept pushing. And pushing. Fast-forward eleven years and what started out as a blog with one post nobody read had become a multi-million dollar business.
What accounts for the success? I kept pushing and, importantly, learning how to push against the flywheel. In my case, it was learning the art and science of online publishing. Here's my interview with J. All of this brings me to the flywheel of wealth. I challenge these beliefs in my new book, Retire Before Mom and Dad , which was published last week. It's fantastic! So you give up cable TV to save more money.
You feel good about your decision, although you miss some of the shows you use to watch on TV. To ease your pain, you decide to check your investments. Over the long term, the U. Welcome to the world of investing. Yeah, it starts really, really slow. Maybe that's why J. Here it is:. It takes about nine years of investing the same amount each month for the monthly returns to equal the amount you've been investing. If on an average month we earn about 0. Now our investments are generating more than our monthly contributions. The flywheel picks up speed.
As the power of compounding grows, it gets easier and easier. Why is this important? He says that life is tough. And as soon as we realize that life is tough, life gets a little easier. Building wealth is slow at first. It can even be discouraging at times. But once we realize this, once we set realistic expectations, it gets a little easier. Most of us, at one point or another, have been faced with a financial emergency, or a plain, old-fashioned cash crunch. And before anyone mentions it, yes we're aware of the irony of publishing an article about making money fast at a website called Get Rich Slowly.
Habits play such an important role in every aspect of your life. And those habits, good or bad, are reflected in your finances. Some of our habits are small, almost insignificant. Over time, though, they have a large effect. There are little things that I've done over many years that have had outsized results.
Individually, they don't move the needle. But they're like little course corrections on the cruise ship of life. A little change early on, repeated and compounded over many years, can have a significant impact. A prime example for me was gaining strength. I made a decision to build muscle but I didn't want to be one of those guys who spent hours in the gym. I learned that there are workout regimens that don't require a ton of time, but which still improve strength with just minutes a session. These routines target several muscle groups at once. The deadlift is a good example.
Because these sessions only took minutes, it was easy to make time for them. As a result, I started going to the gym more regularly. And once I was there, something funny happened. On some days, I did the workout and left. On others, I felt like I could do more. So, I incorporated other exercises that targeted smaller muscle groups. The promise of a short session got me in the habit of going to the gym. That was the hard part. Once I was there, I often did more than I had planned. At first, I saw my strength increase until I hit a plateau. I talked with some folks and realized I had two non-obvious weaknesses: insufficient protein intake and grip strength.
Both were small changes that became daily habits, which eventually had a big impact on my exercise regimen. Neither was difficult, I just had to discover them. And today, I'm stronger than I've ever been thanks to these seemingly minor changes. But you're not here for fitness tips from me. You're here for money tips, right? Here are some simple habits I've developed that might not seem like much at first, but which have had a huge impact on my finances. Maybe they'll help you too. Spare change: Awesome articles from elsewhere Seth Godin's thoughts about money How the rich get richer "What I learned from interviewing millionaires.
In praise of public transportation How to ask for what you want at work and get it Why financial rules of thumb are trash Lessons learned from days without alcohol About half of career success comes from luck Find an archive of all past spare change links on Pinboard. Hello from Portugal! Packing for Africa Since my first overseas trip to England and Ireland in , my packing has…evolved. By the time I flew home, I was overloaded. Packing Light for Ecuador Fast-forward three years. Ultra-Light Packing for Portugal Here's what my ultra-light packing attempt looks like for my current trip to Portugal and California.
My phone an iPhone X with associated cables and adapters. A small notebook with pens and pencils. An envelope containing various travel documents. Two ziploc bags with travel-sized toiletries. One bag contains liquid items for TSA. A packing cube containing one wool t-shirt, one button-down travel shirt, three pairs of underwear, two pairs of socks, and a pair of shorts. I'm also wearing similar socks, underwear, a pair of pants, a wool t-shirt, and another button-down shirt.
A pair of sweats that I rolled up and secured with a rubber band. This was a last-minute addition, but I'm glad I brought them. A few miscellaneous items, such as gum, my European power adapter, my retainer, my Kindle, and my reading glasses. A ziploc bag for my cash and change, plus a ziploc bag with my passport and other travel info.
Final Thoughts So, that's my experiment with ultra-light packing. But my response? Our Adoption Story Our adoption story is unique. All adoption stories are unique. No adoption is normal. Here's how the BLS website describes the Consumer Expenditure Survey: The Consumer Expenditure Survey program consists of two surveys, the Quarterly Interview Survey and the Diary Survey, that provide information on the buying habits of American consumers, including data on their expenditures, income, and consumer unit families and single consumers characteristics.
I feel anxious in social situations. I have friends and family I can ask for support. I have trouble finding motivation to get things done.
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I'm able to complete everything I want to do. And so on. She writes: Spending a few days at FinCon shows the limits of the nonpolitical approach to improving your financial life…Over and over again, the systemic problems facing Americans are simply accepted as a given and unfixable, and tossed back onto the individual for him or her to solve.
Personal finance is personal. It's right there on the label. After twenty-four days on the road, I'm back home in Portland.
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It feels good. FinCon FinCon started in as a small -ish gathering for a couple hundred financial bloggers. Final Thoughts So, that's the big news: After two years of drifting, I know what message I want to convey to you, the readers. Meanwhile, the immediate future at GRS looks like this: I had hoped to finish the site redesign before leaving for Italy.
That didn't happen. Now I hope to finish it by October 15th at the latest. Earlier is better. Today — if all goes well — I will sign a contract to produce a five-hour audio course about financial independence for the biggest audiobook distributor in the world. That's sort of vague but not really. I'll offer actual details once the deal is done. In just over two weeks, I fly out for another trip. A couple of you have already told me you'll be there. Meanwhile, the pace of production around here will slow markedly as I put into practice my plan to dive deeper into subjects and not feel pressured to publish all of the time.