Going against the grain
Going against the grain
A common focus in many personal finance articles is the eradication of debt, no matter what the interest rate the borrower is paying. Sure, there’s some quibbling about which order ...
Meeting Minimum Spend
Meeting Minimum Spend
If you’ve ever contemplated opening a credit card for the sign-up bonus, you’re probably aware of some of the terms: “Spend $x,000 in 90 days to receive xx,000 points/miles”. I’ve ...
FinCon is like a college reunion
FinCon is like a college reunion
Growing up, I had a lot of good friends, but never really any close friends. I attended multiple proms as a friend ask, not because I was ever actually dating ...
Goodbye Personal Capital
Goodbye Personal Capital
I'm no stranger to using web apps to track my personal finances. I currently have 3,417 days of history saved on Mint.com, which I only started using after an earlier ...
2018 Miscellaneous Income
2018 Miscellaneous Income
As I’ve written before, I have been tracking every penny coming into my life (from sources outside of my regular paychecks) for the past 4 years. When I originally published ...
Changing my mortgage mindset
Changing my mortgage mindset
As I wrote about in my last post, a mortgage is a debt that must be paid within a prescribed and agreed-upon time frame. And as with all debts, it ...
Your house is not an Asset
Your house is not an Asset
The greatest lie ever told in America is the one about The American Dream. That the only way to truly prosper and live the Good Life in this country is ...
Useful Travel Tools: Service
Useful Travel Tools: Service
This is the second post on useful travel tools, so perhaps I am starting a new series here at JoshOvermyer.com (albeit over a year apart). If you missed the first ...
4 trips to see Playing with FIRE
4 trips to see Playing with FIRE
If you are reading this blog, there is a good chance you have already heard of the Playing with FIRE documentary and accompanying book, but for those who have stumbled ...
2019 mid-year recap
2019 mid-year recap
2019 is halfway over already, and I can’t decide if it’s been THISQUICK or i n c r e d i b l y  s l o w. It’s been ...
Leftovers
Leftovers
When I say the word Leftovers, most of you will probably think of the extra portion of last night’s supper, that you package and take to work with you for ...
Community
Community
The ChooseFI guys say it all the time – it’s all about community and the genuine connections we make that help us along the path to Financial Independence. I live ...
457 Junkie
457 Junkie
I’m obsessive. Once I tried it, I just had to have more of it. The feeling was just so good, and I wanted it again. But each additional dose gave ...
Privilege of Lazy
Privilege of Lazy
Last week, I wrote a somewhat tongue-in-cheek post about being Lazy. If given the choice, I would rather laze about my house and stream some of my shows or watch ...
Lazy
Lazy
Lazy. For a short little word, it sure comes with a bad reputation. And it hangs out with a notorious crew of other words: fat, boring, stupid, sluggish. To be ...
I lucked into my credit score
I lucked into my credit score
I went to college in the early-to-mid 2000s, and I’m sure this sounds familiar to a lot of you. Tables would pop up around the campus with all sorts of ...
Lifetime Wealth Ratio
Lifetime Wealth Ratio
Have you ever wondered how much you have made (from W-2 income) in your life? If you started as a teenage like me, it can be hard to remember allllllll ...
Be a Quitter
Be a Quitter
For as long as I can remember, I was involved in extra-curricular activities. From swimming lessons at 18 months old and t-ball at 3 years old, to basketball in 4th ...
My DIY Bathroom Remodel
My DIY Bathroom Remodel
I bought my townhouse in April 2006 from a husband and wife duo; she was a Realtor and he was a contractor. They would buy properties together and flip them. ...
Comprehensive guide to beginner Travel Cards
Comprehensive guide to beginner Travel Cards
Obligatory disclaimer: If you are not a person who can pay off your credit card bills in full and on-time each month, stop reading now! The techniques in this article ...
President’s Day Road Trip
President’s Day Road Trip
In my previous job with State government (circa 2014-2018), I was in a position without benefits. That meant no paid holidays, vacation or sick time, and no pension contributions. So ...
Ingredients vs. Recipe
Ingredients vs. Recipe
Back in the early 1990s, a restaurant chain called Chi-Chi’s spread rapidly across the United States. On one visit to my local Chi-Chi’s, I overheard someone in the restaurant tell ...
Wrapping up 2018
Wrapping up 2018
By the time you read this, there will likely be less than 2 weeks left in the year 2018. This is the time of year that I like to slow ...
Drank the Emergency Fund
Drank the Emergency Fund
There is a widely-cited statistic that 40% of Americans cannot pay an unexpected $400 emergency. Are you one of these people without an Emergency Fund capable of footing that bill? ...
Twitter made me do it – New York City
Twitter made me do it – New York City
It was only 10 days ago, on a Friday evening after work, when I learned my internet friend Dumpster Doggy was going to be in New York City for a ...
Shame
Shame
The Merriam-Webster dictionary defines shame as a painful emotion caused by consciousness of guilt, shortcoming, or impropriety. Synonyms include humiliation, regret, disgrace, odium and reproach. I think we are all ...
WTF is a Middleton
WTF is a Middleton
By Josh October 23, 2018 Yesterday, an awesome new curation site went live called The Money Middletons. You may be asking yourself, “WTF is a Middleton” and you would be ...
Takeaways from FinCon18
Takeaways from FinCon18
October 1, 2018 Along with half of the Twittersphere, I just returned home from Orlando where I attended FinCon 2018. FinCon is an annual conference for money nerds of all ...
David Bach’s Latte Factor
David Bach’s Latte Factor
I've been quiet around here for a few weeks, because I wasn't really sure how to put some of my ideas to words. Instead, I just read 3 books in ...
My horrible house journey, 2006-present
My horrible house journey, 2006-present
By Josh August 9, 2018 (Warning, post is over 3,600 words) Sometimes, I feel like a broken record. Pause that, rewind a bit... As a total FIRE enthusiast and fledgling ...
Tracking every penny coming into my life
Tracking every penny coming into my life
By Josh July 28, 2018 Ever since J. Money used to write about his "Challenge Everything" mindset/challenge/fund a few years ago, I have been meaning to do something similar and ...
Additional passive income sources
Additional passive income sources
By Josh July 26, 2018 Despite making more money at my (new) day job than I've ever made before in my career, I am constantly looking for other ways to ...
Travel hacking trips page
Travel hacking trips page
(This post will be maintained periodically) I thought it would be a good idea to share a list of the trips that my travel hacking [obsession] has allowed me to ...
How much house do I actually own?
How much house do I actually own?
By Josh July 10, 2018 Hey reader! Overall, my home ownership story has been a truly awful experience that I wouldn't wish upon anyone... but these days, I am finally ...
My Freedom Trip – May 2018
My Freedom Trip – May 2018
Hello reader! As I began typing this post, I was sitting on an Amtrak train on the Coast Starlight route, from Los Angeles, California to Seattle, Washington. The trip took ...
Mid-year 2018 update!!
Mid-year 2018 update!!
By Josh  June 30, 2018 Can you believe that 2018 is already half over? It's been a really busy year for me so far (details below), so time has just ...
The 4% Rule is 100% Safe
The 4% Rule is 100% Safe
If you’ve stumbled across my site and haven’t heard of the Trinity Study and the 4% Safe Withdrawal Rate, go ahead and click over to Google to read about it. ...
The Tweet that Started this blog…
The Tweet that Started this blog…
On the evening of January 5th, 2018, I posted this Tweet and it generated higher-than average interest, including a request for a blog post to explain what all of this ...