Inflation – Should We Be Worried?

I’ve been writing about money for almost eleven years now, and in that time the world has become an immensely richer place. Here in the US, our economy has grown by about 25% even after inflation, world economic output has grown even faster, and the number of people living in extreme poverty has been cut roughly in half. US Real Economic...

2w

Our DIY Heat Pump Install – Free Heating and Cooling for Life?

A work of art. To most of the Internet, Mr. Money Mustache is known as the quirky early retirement financial guy, and this is a blog about Money. But really, I’m not a finance guy – someone who devotes most of his time to optimizing money. I’m more of a general Life Engineer – someone who tries to optimize everything that is fun and interesting...

Oct 2021

Three Months of Slacking

Unsuccessfully but Refreshingly trying to climb the local waterfall “MMM, are you still alive?”– somebody on Twitter Holy Shit! I just realized that the last time I wrote a blog post for you was on April 18th, and now it’s late July. That’s an entire quarter of a year that I have let this wonderful, golden field of interesting opportunities...

Jul 2021

The Self Educating Child

Little MM and me self-educating with some Orson Scott Card, way back in 2017. We’ve come so far together since then! So it looks like my 15-year-old is officially a high-school dropout. Halfway through ninth grade, emboldened perhaps by the taste of freedom that Covid-era remote learning had provided, he realized that the whole system...

Apr 2021

Beware of the Bubble

“A Nation Which Forgets Its Past Has No Future” Those were the words on a 20-foot-long banner that “Mr. Slick”, my high school history teacher, kept carefully pinned across the width of his classroom for the entire four years I had classes with him. “That makes no sense at all”, I thought to myself when I first read it at age fifteen....

Mar 2021

The Margin Loan: How to Make a $400,000 Impulse Purchase

So, I kind of just bought the house next door to me. We’ve already gotten straight into the renovations with a symbolic first step: a new front door. This is already somewhat amazing, for a small-town boy who refuses to even buy himself a new car.  But even stranger are the details that surround this deal: I’m not moving into it.I...

Jan 2021

Poisoned Just Enough: Why I’m so Optimistic About 2021

A close friend of mine was diagnosed with cancer this year. It was the serious kind, where you need to treat it quickly and aggressively or it will spread through your body, stick to all of your organs, and kill you. The diagnosis was a shock to my friend and her loved ones – she’s fairly young, had always been healthy in the past, and had no...

Dec 2020

Two Years Without Health Insurance (and What I’m Doing Now)

Two years ago, I was unsatisfied with my options for health insurance. The premiums were rising even as the quality dropped in the form of an ever-increasing deductible. I am guessing that you might feel the same way these days – most of us Americans are in the same boat. I felt like I was being squeezed from both ends and it was starting to...

Nov 2020

The Man Who Retired at 27: Why You Should Consider House-Hacking

Way back in the olden days, people used to be amazed at my life story. I was “The Man Who Retired at 30”, and it was so unusual that it would show up in news headlines all over the place.  Thankfully, this is no longer such a surprising story. The idea of financial independence has spread far and wide with the rise of the FIRE movement, and people...

Oct 2020

Socially Responsible Investing: Is It Also More Profitable?

Since the Dawn of Mustachianism in 2011, the same question has come up over and over again:“MMM, I see your point that index fund investing is the best option. But when you buy the index, you’re getting oil companies, factory farm slaughterhouses and a million other dirty stories. How can I get the benefits of investing for early retirement...

Aug 2020