Financial Independence

Sleep is an underrated factor in your Financial Independence journey

You need between 7-9 hours of sleep to function properly Americans and their poor sleep Sleep is such an underrated commodity. Yet, according to the CDC, 35% of American adults sleep less than 7 hours a day. 1/3 of the population is NOT sleeping enough! And I know that there has been a pretty good… Continue reading Sleep is an underrated factor in your Financial Independence journey

Rebalancing your Portfolio with an Asset Allocation Spreadsheet

NOTE: This is not investing advice, nor should be taken as such. The Asset Allocation Spreadsheet is simply a tool for DIY rebalancing! After becoming Accidentally Retired, I was fed up with my Financial Advisor and decided to fire him. I was now a DIY investor! But there is one thing that every DIY Investor… Continue reading Rebalancing your Portfolio with an Asset Allocation Spreadsheet

Why a transient life beats peanut butter on pancakes

Olaf is the blogger behind MileHighFinanceGuy.com, where he shares a variety of posts on financial topics and reflections on life and money.  He previously worked as an advisor at one of the largest financial firms in the US. While there, Olaf regularly helped people decide what to do with old 401(k)s, construct investment portfolios, and… Continue reading Why a transient life beats peanut butter on pancakes

The magic of a one-time partial mortgage payment: your net worth increases

Should you pay down your mortgage and live debt free or invest? There is an even better option with a one-time partial payment. Update – April 13th, 2022 A major calculation error in my spreadsheet has shown that the content in this post is incorrect. While I still believe that paying down your mortgage provides… Continue reading The magic of a one-time partial mortgage payment: your net worth increases