Fiology Course

Fivangelism is the act of promoting the concepts of Financial Independence. You may actively communicate the merits of Financial Independence by initiating discussions with others or you may passively communicate the merits of Financial Independence by serving as an example. Congratulations! You’ve finished a thorough exploration of the critical concepts of Financial Independence. Think of…

Once we’ve overcome our internal struggle with the One More Year Syndrome and set a date to pull the trigger from traditional work, life changes – in most cases for the better. We are all unique and not quite certain how we will feel or what we will be doing in the next chapter of…

Money is simply a tool to help us design a life that we believe brings our happiness. Hitting a magic number in your financial accounts will not make you happy. Happiness should be considered an entirely different objective. Reducing or eliminating the stresses of not having money can definitely support your happiness objective. But be…

There are plenty of views and opinions regarding Social Security. For many in the FI community, planning goes forward with the assumption that it won’t exist at some point in the future. That is a very conservative approach. The question of the duration of the Social Security program has been ongoing for decades so many…

Caring for aging parents is, for many of us, inevitable. Caring for aging parents might mean we care for our parents or that our children are caring for us. Time marches on, both for us and for those we care about. When we are young we think of our parents as permanent and only much…

We used to dream big! In our youth we would dream big. One day we would conquer the world, have the perfect family, find a cure for that ailing disease, reach the tallest peaks, or write the perfect song. Something happened over time. Reality set in and the tasks of our daily routines pushed out…

What is the One More Year Syndrome (OMY)? The One More Year Syndrome (OMY) is defined as having a continued urge to work even though you have already met your planned financial goals. Of course working a little longer to pad the coffers has its merits, but is it worth it? And does the urge…

What are REITs? REITs or real estate investment trusts are companies that own and operate real estate. The real estate held can include a variety of asset types including commercial, residential, resorts, and even the the actual mortgages and loans. Shares of these companies can be purchased from brokerage firms just as you would any…

Do not ignore sequence of returns risk. Sequence of returns risk can make or break your plans of becoming and remaining financially independent or retired. What determines our investment success? Silly question! Returns, of course! The higher the average compound return the higher your final portfolio value. Indeed, for buy-and-hold investors, the compound average growth…

What Does Stoicism Have To Do With Financial Independence? Stoicism is defined as a practical philosophy that provides a way to think about how we interpret stimuli, both positive and negative, so that we can respond in a controlled and appropriate manner. The process of saving and investing on the way to achieving Financial Independence…