#child rearing

Advice to Young People: Don’t Wait to Be Good

Posted on by Mr. Groovy
a picture of tumbling dice to symbolize luck

Achieving financial independence is easy. Look at me. Prior to turning 45, I was a financial moron. I had nothing saved for retirement, was brimming with debt, and thought happiness came via the accumulation of unnecessary crap. And then I said enough. Started saving 50-60% of my gross income—and boom! In eleven short years, less …

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Nine Things Not To Do When Your Financial Margin Of Error Is Razor Thin

Posted on by Mr. Groovy
a picture of an old-fashioned double-sided razor

I’ll never forget this one particular revelation I had in college on a particular Saturday night. I was in a bar, but I wasn’t drunk. And everyone was going nuts. And I remember peering at the alcohol-fueled frenzy unfolding before me and asking, “Where are all the Asian college kids?” After all, Buffalo University was …

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