The Science and Art of Delayed Gratification

I like my marshmallows golden brown and gooey inside.

I am not a financial wizard and certainly no expert in the area of investing.    No, the real driver of our modest success in growing net worth comes down to one simple behavior.

We are millionaires because we have mastered learned the art of delayed gratification – And You Can Too!

A person’s ability to put off a reward for the promise of receiving an even bigger reward in the future is known as delayed gratification.  It is not difficult to understand why this skill is extremely important in the context of building wealth and achieving financial independence.… Continue reading

The Dao, The Way

As a kid from a middle class upbringing, I learned pretty quickly that I needed the right shoes-Reeboks, the right jeans-Guess Acid Wash, and the right church-the one’s where my friends went. Then my teen years hit and suddenly, all that conformity seemed really wrong. So I bucked that system-I got Birkenstocks and 2nd hand clothes. AND I started to believe that certain religions made people hypocrites. From then on, anything in my life that whiffed of hypocrisy was immediately bad. I had transformed into a monochrome, non-apologetic, authority-questioning rebel. And I was determined to find my own way-the right way!Continue reading

What will you do after retirement?

A few months ago I was at a work dinner with my boss and some executives from my company.  Over the course of dinner the discussion turned to the recent news that another executive had just announced his retirement at the tender age of 53 [Whoa.. so young.. bwah ha ha]!  At that moment I felt like the guy who needed to zip his mouth shut, apply a pad lock and throw away the key.

My boss (who is the same age as the guy retiring):  I just don’t know what I would do with all that time on my hands.… Continue reading

Evaluating Net Self-Worth

Mr. Zero and I are in pursuit of financial independence.  If you’ve read his posts, you know that we have a timeline, a very well-defined plan taking into account FIRE (Financial Independence and Retiring Early), college tuitions, healthcare costs, etc. It’s all right to assume that every time we move forward within the plan, we get pleasure meeting a goal.

I begin this self-analysis as Part 2 of my post about Dale Carnegie. His remarks on the human need for feeling valuable had caused me to look at everyone around me to see how they derived pleasure.… Continue reading

I might be an A-Hole.

Into the sunset! No looking back!

I am guessing I am not alone here, but as our Financial Independence date draws closer (currently sometime in mid-2019), I find that the same questions of doubt keep percolating to the forefront of my mind. They all have something in common – they put a big gnarling pit in my stomach.

I have always prided myself on being hard working and responsible.  Even when things didn’t go my way, I could always fall back on a feeling of “well, I did my best and that is all one can do.”   I think this is why these questions resonate, until I feel sick to my stomach.  … Continue reading