Take the Spartan Challenge!

Warrior

Are you groovy enough to take the Spartan Challenge? I don’t mean a race or an athletic competition. I’m using the dictionary definition of Spartan as an adjective to mean ‘marked by strict self-discipline or self-denial’. Do you have a costly vice? Or some excess that isn’t worth the time and money to maintain? Maybe you … [Read more…]

How to Start Working Out Your Saving Muscles

SavingMuscles

To achieve financial independence (FI), you have to save at least 25 times your annual living expenses.* For example, if it costs $25,000 a year to feed, clothe, shelter, educate, doctor, and entertain yourself, you’ll need to save $625,000. Once you’ve hit this savings multiple, you can live off the dividends and capital gains that … [Read more…]

Buying a Second Home?

Buffalo

Have you thought about buying a second home? Maybe you’ve dreamed of owning a vacation retreat? Like many of you, Mr. Groovy and I have had visions of escaping to our own little wonderland. I’d like to share with you what we have learned as we pursued buying land and building a second home. Reasons … [Read more…]

Government Sucks – Part 1

Corruption

This is Part 1 of my Government Sucks series. To begin this series, I want to give you an insider’s view of the municipality that employed me for over twenty-one years, the Town of Oyster Bay. The Town of Oyster Bay (aka the Town) is located in Nassau County on Long Island, and the services … [Read more…]

Beware the Compassion Industrial Complex

prisoner2

Financial columnist Barry Rithotlz authored a great tongue-in-cheek column in Friday’s Washington Post on how to ruin your financial life. If you faithfully adhere to his bizarro-world “guidelines” over your lifetime, you will likely die miserable and broke. The only “guideline” I have a problem with, though, is the one regarding our country’s safety net … [Read more…]