https://www.frugalhackers.com/blog daily 0.75 2019-02-13 https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1506317351898-W0R3AM8TC8WV1CS3SWDC/Screen+Shot+2017-09-24+at+10.28.39+PM.png Blog https://www.frugalhackers.com/blog/2019/3/9/baby-hacker-is-here monthly 0.5 2019-03-09 https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1552158235503-QS0K1TARMXS6N47MBRCS/Baby+Hacker.png Blog - Baby Hacker is Here! https://www.frugalhackers.com/blog/2018/11/19/the-frugal-hackers-guide-to-keeping-warm-in-the-winter monthly 0.5 2018-11-19 https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1542589859169-JQ1Y9BS9PYH9RNX1ZIOC/Keeping+Warm+in+the+Winter.png Blog - The Frugal Hackers' Guide to Keeping Warm in the Winter https://www.frugalhackers.com/blog/2018/9/30/sustainable-indulgence monthly 0.5 2018-10-01 https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1538327783228-U8A74EGIRHTZLBD06AQS/Sustainable+Indulgence.png Blog - Sustainable Indulgence https://www.frugalhackers.com/blog/2018/4/8/ikea-frugal-shopping-hacks monthly 0.5 2018-04-09 https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1523236709312-2ES2KOOTF3RW84UEPBOF/IKEA-Living-Room-Frugal-Hackers.jpg Blog - IKEA Frugal Shopping Hacks Our current apartment living room in San Francisco, CA - 99% furnished with IKEA products https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1523236780954-4DMKM2UCUDUDOM8UUFD8/IKEAFrugal+Shopping+Hacks.jpg Blog - IKEA Frugal Shopping Hacks https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1523236902700-1DIB7R0NZSS7DPN637TW/Bedroom-Furniture.JPG Blog - IKEA Frugal Shopping Hacks https://www.frugalhackers.com/blog/2018/1/20/living-on-7000-per-year-in-pricey-san-francisco monthly 0.5 2018-08-26 https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1516501857884-FNXS0Y1BFZ9FOQ27TURO/7kperyear.jpg Blog - Living on $7,000 per year in pricey San Francisco https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1516477947857-75900ZAMHIE3N74KY2D5/Frugal+Hackers+2018+Expenses+Breakdown.png Blog - Living on $7,000 per year in pricey San Francisco Our 2017 core expenses breakdown. This does not include housing, travel, taxes, or 1-time bicycle purchases. https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1516496381918-QAD05PIRH7Z8M85I32RX/2017+Expenses+Percentage+Breakdown.png Blog - Living on $7,000 per year in pricey San Francisco Percentage breakdown of 2017 core expense categories. See text above for definition of what we mean by "core expenses". https://www.frugalhackers.com/blog/2018/01/05/advanced-benefits-of-frugality monthly 0.5 2019-01-16 https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1514502460097-DGTI9QLE9DU4NC7SQGEX/advanced-benefits-of-frugality.jpg Blog - Advanced Benefits of Frugality that you may not have thought of https://www.frugalhackers.com/blog/2017/12/31/the-agony-of-waiting monthly 0.5 2017-12-31 https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1513540435020-AWHNMIYS0WOPO9M1RWSB/The+Agony+of+Waiting.jpg Blog - The Agony of Waiting https://www.frugalhackers.com/blog/2017/12/26/reset-your-finances-with-a-zero-based-budget monthly 0.5 2017-12-26 https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1509333208607-CLP0TS3QXML458SN62VE/reset-your-finances.gif Blog - Reset Your Finances with a Zero Based Budget https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1510118707503-8Q5LRHJC02LET9NPT5LS/Reset-your-finances.png Blog - Reset Your Finances with a Zero Based Budget https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1510030805810-P77ES8IFZDLRAWM83K6R/Frugal+Hackers+Post-FI+Budget.png Blog - Reset Your Finances with a Zero Based Budget Our Post-FI Budget in a High Cost of Living City (Vancouver, BC) https://www.frugalhackers.com/blog/2017/12/21/costco-pro-tip-shop-at-a-costco-business-center monthly 0.5 2017-12-21 https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1510528941018-M86PX27O9QRNU284G4JI/costco-business-center.jpg Blog - Costco Pro-Tip: Shop at a Costco Business Center https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1510529117333-QJKPONR0Q5SW4DYXBQZ5/snacks-aisle-at-costco-business-center-hackensack-new-jersey-usa-G1HJJ1.jpg Blog - Costco Pro-Tip: Shop at a Costco Business Center https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1510529117332-SRUIR0VK14O327WZDASQ/gatorade-display-at-costco-business-center-hackensack-new-jersey-usa-G1HJGH.jpg Blog - Costco Pro-Tip: Shop at a Costco Business Center https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1512270981839-SHQEBK1TAAI1DMUGVZ91/Costco+Business+Center.png Blog - Costco Pro-Tip: Shop at a Costco Business Center Pin this to share this pro-tip with your Costco <3 friends! https://www.frugalhackers.com/blog/2017/12/16/the-sequence-of-return-risk-for-early-retirees monthly 0.5 2017-12-17 https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1510506393194-YFWGQCJPAOI40CKMXBCW/Sequence+of+Return+Risk.png Blog - The Sequence of Return Risk for Early Retirees https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1509939436497-KNGNDLUV47YUDWZDZCOR/pic1.png Blog - The Sequence of Return Risk for Early Retirees Scenario A - normal equity returns https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1509939378600-TU941VPD5G163G34K1NA/pic2.png Blog - The Sequence of Return Risk for Early Retirees Scenario B - Spiky returns with a rocky start https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1509947338164-ETURSID00RJCDYVA8QJT/sequence_of_return_risk.png Blog - The Sequence of Return Risk for Early Retirees https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1509947553433-GTFIUBRNQ0MHTLGV22BK/percentage_of_portfolio_withdrawn.png Blog - The Sequence of Return Risk for Early Retirees https://www.frugalhackers.com/blog/2017/12/11/gifting-is-not-mandatory monthly 0.5 2017-12-12 https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1513005729882-X4ZAZNTWTQ54AHJHJK5W/Gifting+is+not+Mandatory.jpg Blog - Gifting is not Mandatory https://www.frugalhackers.com/blog/2017/12/6/how-we-optimize-our-food-and-diet-to-10x-our-quality-of-life monthly 0.5 2017-12-06 https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1509595134491-CQ7D0B23U4LU0IRSCKP1/Food.jpg Blog - How we Optimize our Food and Diet to 10x our Quality of Life https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1509253469444-IW3IT1SIUHKC8XZE2H6E/digital_scale.jpg Blog - How we Optimize our Food and Diet to 10x our Quality of Life We highly recommend weighing your food before eating it using a simple digital kitchen scale. We currently eat around 12 oz. per meal per person. https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1509296678131-4D0DIMILPU00UV9Q79FW/8637232917_717973409a_z.jpg Blog - How we Optimize our Food and Diet to 10x our Quality of Life https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1509296678820-NE947MJF7BLO3VUXGLGC/8599455847_45348ec0a6_z.jpg Blog - How we Optimize our Food and Diet to 10x our Quality of Life https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1509296678819-G9QQNWREROLLXCK0HL76/9027848631_dd9c529392_z.jpg Blog - How we Optimize our Food and Diet to 10x our Quality of Life https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1509594111309-HG6OVS1XAS401WSG1FG8/everything-salad.jpg Blog - How we Optimize our Food and Diet to 10x our Quality of Life What's in this salad? All the things. It was delicious! https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1509594208401-KNE09GRQBNJ8NKSO7LV7/IMG_0489.jpg Blog - How we Optimize our Food and Diet to 10x our Quality of Life https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1509594207719-ZUWHK7HZ6SKPAPK22CHO/IMG_1572.jpg Blog - How we Optimize our Food and Diet to 10x our Quality of Life https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1509594209916-K7APIK7IPTZYRDJHZIIH/IMG_1578.jpg Blog - How we Optimize our Food and Diet to 10x our Quality of Life https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1509296943363-D3YAYVZ6CFPKB4ZSOG7Q/instant_pot.jpg Blog - How we Optimize our Food and Diet to 10x our Quality of Life Our trustworthy $85 Instant Pot 7-in-1 pressure cooker. This little guy speeds up our cooking significantly! https://www.frugalhackers.com/blog/2017/12/1/why-we-canceled-our-amazon-prime-membership monthly 0.5 2017-12-06 https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1508736406287-FJJ9KZZWKSCRX5UU4P72/avocado-slicer.jpg Blog - Why we Canceled our Amazon Prime Membership My $10 Avocado Slicer, thanks Amazon Prime! https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1508722324944-LY4FXSOCHX8AE0OH0UAV/Amazon-Revenue.png Blog - Why we Canceled our Amazon Prime Membership Table from Amazon's SEC Filing: 2016 Form 10-K, Note 7 - Segment Information. Note that the Retail Products Revenue does not include Amazon's purchase price of the items they sell to consumers like us. For example, retail revenue in 2016 was $91B and cost of sales in 2016 was $88B. 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What our budget spreadsheet looks like this year (2017) https://www.frugalhackers.com/blog/2017/10/30/visiting-banff-and-jasper-canada-on-a-shoestring-budget monthly 0.5 2017-11-02 https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1507420056955-45CGMXPWD79QWMSGELW3/Banff-National-Park.jpg Blog - Visiting Banff and Jasper, Canada on a Shoestring Budget https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1507422153456-YJ3XEH4402N7XKTLEVOW/NissanPathfinder.jpg Blog - Visiting Banff and Jasper, Canada on a Shoestring Budget Our Nissan Pathfinder SUV rental from National https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1507418115653-6GF50YUE3WJY422P9MHI/35698788014_953fe62ac4_k.jpg Blog - Visiting Banff and Jasper, Canada on a Shoestring Budget https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1507418092001-9IEU1CYKZ7TAEIWMJRWM/20023823_10154974768458471_7456394898972062501_o.jpg Blog - Visiting Banff and Jasper, Canada on a Shoestring Budget https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1507354600521-IY4PCCPQ893OQB9M72X6/banff-jasper-budget Blog - Visiting Banff and Jasper, Canada on a Shoestring Budget We always start trip planning with a high level budget so we know if we can afford the trip in the first place https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1507493927210-GSV6J9VHJ80DZGYLLEFO/Black-Bear.jpg Blog - Visiting Banff and Jasper, Canada on a Shoestring Budget Black bear spotted munching on leaves near Johnston Canyon. 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Visiting Banff and Jasper, Canada on a Shoestring Budget https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1507419320684-NVWIPO5X151JDPU800VD/36137267220_792c0759ca_k.jpg Blog - Visiting Banff and Jasper, Canada on a Shoestring Budget https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1507501382180-DWLN5QVPUGQI39AG4QME/Banff-and-Jasper.jpg Blog - Visiting Banff and Jasper, Canada on a Shoestring Budget https://www.frugalhackers.com/blog/2017/10/26/6-mistakes-and-lessons-learned-as-first-time-home-buyers monthly 0.5 2017-11-05 https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1506054787466-6GI2Z3O9OY7VAYREIEOO/House.png Blog - 6 Mistakes and Lessons Learned as First Time Home Buyers https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1507266739163-RI7IYQ1WZ2FXTZQUZD7Z/Emotions-Destroy-Logical-Decision.jpg Blog - 6 Mistakes and Lessons Learned as First Time Home Buyers https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1507343861251-FF1LXJSHKJ4QQ6JLB8SH/lessons-learned-first-time-home-buyers Blog - 6 Mistakes and Lessons Learned as First Time Home Buyers Did you find this post useful? Share on Pinterest by pinning this photo! https://www.frugalhackers.com/blog/2017/10/22/biggest-savings-mistake-most-people-make monthly 0.5 2017-10-22 https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1507267208968-CQ90ZWQLH6Y1O8WWWBVY/Biggest-Savings-Mistake.jpg Blog - The Biggest Savings Mistake Most People Make https://www.frugalhackers.com/blog/2017/10/18/continuously-optimizing-the-4-fs-of-life-food-fitness-finances-frugality monthly 0.5 2017-11-08 https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1506316808372-5VCH82AH0FKLAPA5H2V6/Continuous+Optimization.png Blog - Continuously Optimizing The 4 F's Of Life: Food, Fitness, Finances & Frugality https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1506050626991-5PB3U0LCXLZLNY1AQ2P0/PeasInAPod Blog - Continuously Optimizing The 4 F's Of Life: Food, Fitness, Finances & Frugality The Pareto Principle is derived from Vilfredo Pareto's observation that only a "vital few" of the peapods in his garden produced the majority of peas. https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1506052885482-F7RFFZ1ALELITNU2LSBZ/I+try+to+shoot+for+10%2C000+steps+a+day Blog - Continuously Optimizing The 4 F's Of Life: Food, Fitness, Finances & Frugality I try to shoot for 10,000 steps a day. It makes me fall asleep quicker. https://www.frugalhackers.com/blog/2017/10/14/the-only-way-to-quit-your-job-permanently-is-frugality monthly 0.5 2017-10-14 https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1505694348431-PTZFW6II0HNHIRGG2DPF/Quit+your+job+permanently.jpg Blog - The Only Sure Fire Way to Quit Your Job Permanently is Through Frugality https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1505584366428-DAELTO8AKN78QFIWA05R/Savings-Rate.jpeg Blog - The Only Sure Fire Way to Quit Your Job Permanently is Through Frugality https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1505583964630-ZE3TJ4E44NAKFTS4N6UG/SavingsRate.png Blog - The Only Sure Fire Way to Quit Your Job Permanently is Through Frugality How quickly you reach financial independence (FI) is directly related to your savings rate. Assumptions: Starting at net worth of $0, 5% after-inflation returns, 4% withdrawal rate, only gains/appreciation used for income, principal is untouched, no after-inflation increases in spending or income over the years, cost of living is same both before and after retirement. https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1505584089282-1NG9Y36F6NUAHS67C8G9/savings-rate.png Blog - The Only Sure Fire Way to Quit Your Job Permanently is Through Frugality Assume you start working at the age of 22, right after graduation. This table shows how old you'll be by the time you can safely retire with a 4% withdrawal rate at various savings rates. https://www.frugalhackers.com/blog/2017/10/10/how-much-money-do-we-need-to-be-happy monthly 0.5 2018-09-30 https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1505693615094-9PBOTILKKIXJ181FIUHH/How+much+money+do+we+need+to+be+happy.jpg Blog - How much money do we need to be happy? https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1508516097954-V249YYZTTS00U7MXILSB/fulfillment-curve.png Blog - How much money do we need to be happy? More money does not necessarily mean more fulfillment or happiness. Image from Your Money or Your Life. https://www.frugalhackers.com/blog/2017/10/6/chasing-my-dream-job monthly 0.5 2017-10-06 https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1505449054892-GANDJLMMVDYQ3XIPOSNR/Chasing.jpg Blog - Chasing My Dream Job https://www.frugalhackers.com/blog/2017/10/2/our-wealthfront-diversified-portfolio monthly 0.5 2018-06-08 https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1505189489156-YY0K1O8V4KM5465OIZ73/AccountHistory Blog - Our Wealthfront Diversified Portfolio Our Wealthfront account history over time - the last 14 months have been great for growth! We're seeing a money weighted return (before taxes) of ~23% https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1505190975836-ORL5RPTCZ8Y0ELGIMIPX/WealthfrontPath.png Blog - Our Wealthfront Diversified Portfolio Wealthfront Path - a free tool to allow you to predict when you can retire comfortably. https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1505186919110-PWJPGZCXWRQ1LR304PX5/wealthfront_diversified_portfolio.png Blog - Our Wealthfront Diversified Portfolio Our current Wealthfront diversified portfolio asset allocation (target + actual) https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1505194459652-98FYHKYJBBWGLP9XIQTY/PortfolioBreakdown.png Blog - Our Wealthfront Diversified Portfolio https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1513472206468-EX2MLLSFH9H0B3FAC55H/Wealthfront+Risk+Allocation.png Blog - Our Wealthfront Diversified Portfolio https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1505278350607-VSSJDY3IO88SEUYAP55S/Wealthfront.jpg Blog - Our Wealthfront Diversified Portfolio https://www.frugalhackers.com/blog/2017/9/28/what-is-wrong-with-the-young-couple-savings-model monthly 0.5 2017-10-06 https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1505094900469-4MMI1P4S053YD3FEFYD0/Young-Couple-Savings-Model-Frugal-Hackers Blog - What is Wrong with the Young Couple Savings Model https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1505065218345-03UDK9OKFFGR80W9OO2W/Savings%2BRate.png Blog - What is Wrong with the Young Couple Savings Model How quickly you reach financial independence (FI) is directly related to your savings rate. Assumptions: Starting at net worth of $0, 5% after-inflation returns, 4% withdrawal rate, only gains/appreciation used for income, principal is untouched, no after-inflation increases in spending or income over the years, cost of living is same both before and after retirement https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1505066436634-9H4X8JRGBIC2Q40HZOY8/after-tax-savings-rate.png Blog - What is Wrong with the Young Couple Savings Model Assume you start working at the age of 22, right after graduation. This table shows how old you'll be by the time you can safely retire with a 4% withdrawal rate at various savings rates. Assume you spend 50 hours per week working and commuting, and work 49 weeks a year (i.e. 3 weeks of vacation a year). Even a 20% savings rate doesn't seem so amazing now, does it? You ought to be targeting a savings rate of at least 50%, ideally closer to 70%. Our own savings rate is currently at 71.2% this year. https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1505189146470-F5ZP7R8CR4N5NHF1YGQJ/Savings-Rate Blog - What is Wrong with the Young Couple Savings Model https://www.frugalhackers.com/blog/2017/9/24/7-things-to-do-san-francisco-without-emptying-wallet monthly 0.5 2017-09-26 https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1505071560823-1W7BK1X82FDYRROFHRCP/Things-to-do-in-San-Francisco.jpg Blog - 7 things to do in San Francisco without emptying out your wallet https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1505066334660-2I2LTSCPI3PASIFG00MC/Twin-Peaks Blog - 7 things to do in San Francisco without emptying out your wallet Mr. Frugal Hacker taking in the view at Twin Peaks, San Francisco https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1505066371038-AMTK90FQDOUPZNSA2QTN/6618047491_2fcf85f4c3_o.jpg Blog - 7 things to do in San Francisco without emptying out your wallet Twin Peaks at Sunset https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1505066355582-OZWLGGCJMTRGXWEKYZ00/8373800086_449eab1972_o.jpg Blog - 7 things to do in San Francisco without emptying out your wallet San Francisco at Night - View from Twin Peaks https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1505066238394-2AC8NFESNYPBP0V6WR9V/GG-Bridge-Frugal-Hackers Blog - 7 things to do in San Francisco without emptying out your wallet My favorite spot to see the bridge: Top of Hawk Hill https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1505066290170-GZMF16QIXS0GE8IVEYCU/Marin+Headlands+Frugal+Hackers Blog - 7 things to do in San Francisco without emptying out your wallet Mrs. FH in Marin Headlands admiring Karl the Fog https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1505060201294-CL4S1E7MAIKI9ZH9LNVW/image-asset.png Blog - 7 things to do in San Francisco without emptying out your wallet Some of our favorite cycling routes around the city. Check out Strava's guide for more popular routes in the area! https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1505066134554-RPDPT9YORM1JQST7A5BD/15440018707_5b4ab1664a_o.jpg Blog - 7 things to do in San Francisco without emptying out your wallet https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1505066130767-QEZ4YT0N5NUZGANTBLS9/15543243896_4f3a4d46f5_o.jpg Blog - 7 things to do in San Francisco without emptying out your wallet https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1505066126874-MM9DGTFMC8FQRMEDCMPW/14401682972_13e4aea21d_o.jpg Blog - 7 things to do in San Francisco without emptying out your wallet https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1505066077426-4O1QLX3CTK51EPLMWTK6/6820812835_389d39d9da_o.jpg Blog - 7 things to do in San Francisco without emptying out your wallet Painter at Sutro Baths, San Francisco https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1506398816214-O14ZZAZMWKSKNYKSEEJZ/Dolores-Frugal-Hackers Blog - 7 things to do in San Francisco without emptying out your wallet Dolores Park in the Mission District https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1505065966346-KGDTYZWQVDEXIC9874N3/14721265838_8412125102_o.jpg Blog - 7 things to do in San Francisco without emptying out your wallet Hidden gems of Bernal Heights - This is straight out of a romance novel! https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1505065985763-BV1LH548KNH4MO5FKID8/6808222297_3436552381_o.jpg Blog - 7 things to do in San Francisco without emptying out your wallet View from Bernal Heights Summit https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1505062876196-DNR46CGZQEHWLF41IS0B/Bayview-Heights-Sunset-Frugal-Hackers Blog - 7 things to do in San Francisco without emptying out your wallet https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1505064217482-9OG5K1L4H2SRJKEZ4K8E/IMG_0138.jpg Blog - 7 things to do in San Francisco without emptying out your wallet https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1505064195078-GQXULJCA4WZR8OONCKOK/Bayview+Heights Blog - 7 things to do in San Francisco without emptying out your wallet https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1505064235617-P6CSNEGERGW16RXTDWKU/image-asset.jpeg Blog - 7 things to do in San Francisco without emptying out your wallet https://www.frugalhackers.com/blog/2017/9/20/the-frugal-hackers-current-life-goals monthly 0.5 2017-09-26 https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1505024450211-V299RPIVL1MLOS9JIBHL/Bicycling-Frugal-Hackers Blog - The Frugal Hackers' Current Life Goals The beautiful vineyards of Sonoma County, California https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1505024478585-32N6MGPE326T9DOOUEXS/Bicycling-Frugal-Hackers Blog - The Frugal Hackers' Current Life Goals 100 mile bicycle ride from Santa Rosa - Wine Country Century https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1506279738491-QUTO9THMLMDHV2AIHEL3/FrugalHackersLifeGoals.png Blog - The Frugal Hackers' Current Life Goals https://www.frugalhackers.com/blog/2017/9/16/caffeine-zero-why-we-dont-drink-any-coffee monthly 0.5 2017-11-08 https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1505021543813-LYNWFV6UGYSZ9D8G5T5G/Frugal+Hackers+Caffeine+Zero Blog - Caffeine Zero: Why We Don't Drink Any Coffee https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1504847210952-Y2QKY0UW4V1V59EWAIEN/caffeine-zero.jpg Blog - Caffeine Zero: Why We Don't Drink Any Coffee Addicted to this brown stuff? You're not alone https://www.frugalhackers.com/blog/2017/9/12/beyond-the-beaches-week-in-bali-and-java monthly 0.5 2017-09-26 https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1504849168323-QC6907SXCG8RT3JICSB4/Frugal+Hackers+Bali+and+Java Blog - Beyond the Beaches - A Week in Bali and Java https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1504843566263-G4LVIABAWLCLMFTFT07T/Frugal+Hackers+Bali+and+Java Blog - Beyond the Beaches - A Week in Bali and Java https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1504843589742-2GII7L3IJ3TT7YD2WYAT/Frugal+Hackers+Bali+and+Java Blog - Beyond the Beaches - A Week in Bali and Java https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1504843610362-6CE7J56BV7VSGY1C2CYY/Frugal+Hackers+Bali+and+Java Blog - Beyond the Beaches - A Week in Bali and Java https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1504843626359-D0FTHSX4YHXJDFFH1GAB/Frugal+Hackers+Bali+and+Java Blog - Beyond the Beaches - A Week in Bali and Java https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1504843660810-EZBYXSJWGPC7TY0KF9YX/Frugal+Hackers+Bali+and+Java Blog - Beyond the Beaches - A Week in Bali and Java https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1504843675824-ZW0YOP7HVL2BU9P5YHTT/Frugal+Hackers+Bali+and+Java Blog - Beyond the Beaches - A Week in Bali and Java https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1504843729939-D0AHLBCJDCOJIKS76JYZ/Frugal+Hackers+Bali+and+Java Blog - Beyond the Beaches - A Week in Bali and Java https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1504843747442-KL1EOWSZQN4YYWUCFWAK/Frugal+Hackers+Bali+and+Java Blog - Beyond the Beaches - A Week in Bali and Java https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1504843770305-OJDZO04MEYA43RTPSTLI/Frugal+Hackers+Bali+and+Java Blog - Beyond the Beaches - A Week in Bali and Java https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1504843808214-26IIIVULC1Z30VQUUUPD/Frugal+Hackers+Bali+and+Java Blog - Beyond the Beaches - A Week in Bali and Java https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1504843839106-WGVJ6ZQQ5WHY2XY8D555/Frugal+Hackers+Bali+and+Java Blog - Beyond the Beaches - A Week in Bali and Java https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1504843887215-GFYSW045IDIQ9QEAWIEI/Frugal+Hackers+Bali+and+Java Blog - Beyond the Beaches - A Week in Bali and Java https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1504843911643-67W7CIU71H85401ID14P/Frugal+Hackers+Bali+and+Java Blog - Beyond the Beaches - A Week in Bali and Java https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1504843933674-X61Q5ED7MMF79F8IEKPR/Frugal+Hackers+Bali+and+Java Blog - Beyond the Beaches - A Week in Bali and Java https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1504843984932-HT0F54CDO0B53RA06UNZ/Frugal+Hackers+Bali+and+Java Blog - Beyond the Beaches - A Week in Bali and Java https://www.frugalhackers.com/blog/2017/9/7/how-to-be-fantastic-with-money monthly 0.5 2017-11-08 https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1504282380344-E1QRE8TH16KY5VQ9GTQP/How+to+be+fantastic+with+money.png Blog - How to be Fantastic with Money https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1504284982789-F68OQJ5ISNZSSY02YIQ6/Write+down+your+purchases.png Blog - How to be Fantastic with Money Figure 1 We write down every single one of our purchases on a Google Spreadsheet. You can't optimize what you don't measure. https://www.frugalhackers.com/blog/2017/9/4/financial-independence-skepticism-but-i-love-my-job monthly 0.5 2017-09-26 https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1502774619416-9C90SF3RWI8NWYXHTCJR/love+my+job.jpg Blog - Financial Independence Skepticism: But I Love My Job - Your work life is great, so why bother fixing something that's not broken? https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1502774934605-NG4TBC8YTAYCBO0K2TJV/Frugal+Hackers+-+Robots+Jobs Blog - Financial Independence Skepticism: But I Love My Job Will Robots Take my Job? Find out here: https://willrobotstakemyjob.com/ https://www.frugalhackers.com/blog/2017/8/31/san-francisco-frugal-pro-tip-10-dollar-haircuts monthly 0.5 2017-09-26 https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1502774456684-ZWJK3GLPBSM1IHUSOSN7/Frugal+Hackers+Haircut Blog - San Francisco Frugal Pro-Tip: $10 Haircuts - Say what?   https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1502724669170-NVZRL50P4R6WW6DMPB2F/CintaAvedaSchool.jpg Blog - San Francisco Frugal Pro-Tip: $10 Haircuts $10 men's haircuts in Downtown San Francisco? Sign me up! https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1502725031383-BPQVKMA0FOZ9VHTQ2TYB/HaircutTweet.jpg Blog - San Francisco Frugal Pro-Tip: $10 Haircuts https://www.frugalhackers.com/blog/2017/8/27/how-to-become-the-secret-millionaire-next-door monthly 0.5 2017-11-08 https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1502773107190-LDDDEE4HORXXUBZ1ZCNV/SecretMillionaire.jpg Blog - How to Become the Secret Millionaire Next Door https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1501379689009-PDUHCWO0H6DM7I077L8A/The+Millionaire+Next+Door Blog - How to Become the Secret Millionaire Next Door https://www.frugalhackers.com/blog/2017/8/23/my-15-year-journey-to-achieving-financial-independence monthly 0.5 2017-12-26 https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1502513556264-A7062KB4QS9965OSFI7E/FirstRental.jpg Blog - My 15-year Journey from $0 in Net Worth to Achieving Financial Independence My very first off-campus rental back in May 2006 for a mere $360 CAD per month. It was a shit hole. These days, a mere 10 years later, I pay almost $2,100 USD per month for my living expenses, a 7-fold increase. https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1502516672441-XU7M9QM2I7BOXHDSBNOE/BikesAtHome.jpg Blog - My 15-year Journey from $0 in Net Worth to Achieving Financial Independence Our unit in San Francisco. Everyone in our house had a bike, so it would've been a bit weird for me to go out and get a car. https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1502520056954-IHSZI496ZG4ELKGE3QL5/WF.png Blog - My 15-year Journey from $0 in Net Worth to Achieving Financial Independence My Wealthfront account balance over time. It was super exciting to see my net worth grow faster than my raw savings thanks to stock market growth and compounding effects. https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1502661081972-IBPH3S6XAJAVZOMT503U/FrugalHackers+Financial+Independence Blog - My 15-year Journey from $0 in Net Worth to Achieving Financial Independence https://www.frugalhackers.com/blog/2017/8/20/how-to-make-financial-independence-inevitable monthly 0.5 2017-11-08 https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1506315981174-J418P6SOU5V2COUDY78Z/FinancialIndependenceInevitable.png Blog - How to Make Financial Independence Inevitable https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1501984176180-MO5U8UKL45RYY5EX5IZS/Unavoidable.png Blog - How to Make Financial Independence Inevitable https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1501982108537-ZWJXFXA4N1O9115O4TLL/SquareFootageExplosion Blog - How to Make Financial Independence Inevitable The average square footage these days in America is almost 1050 sq. ft. per person! https://www.frugalhackers.com/blog/2017/8/17/frugal-travel-series-part-5-how-to-avoid-tourist-traps monthly 0.5 2017-09-26 https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1502992308898-CBX8H0MPOAY0PQXA42HM/How+to+Avoid+Tourist+Traps Blog - Frugal Travel Series Part 5: How to Avoid Tourist Traps - How to avoid Tourist Traps Frugal Travel Series by FrugalHackers.com https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1501466365007-P4O5K39LQIXSOB71B1ZO/image-asset.jpeg Blog - Frugal Travel Series Part 5: How to Avoid Tourist Traps View from the Cory Pass Trail in Banff. No gondolas here :) https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1501466499240-C0M8QPEZ5ZURUWS9RDGO/Azure+Window Blog - Frugal Travel Series Part 5: How to Avoid Tourist Traps Azure Window in Malta. Sadly, this stunning natural structure collapsed in March 2017 :( https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1501466676223-FEANBEXVD6GUK8UMH7GD/Frugal+Travel+Warrior Blog - Frugal Travel Series Part 5: How to Avoid Tourist Traps Full-time Frugal Travel Warrior, part-time Wannabe Yogi. As seen in a beautiful (free) city park in Prague. https://www.frugalhackers.com/blog/2017/8/13/highlights-from-two-weeks-in-new-zealand monthly 0.5 2017-09-26 https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1502688326905-NTB195CTVQ4Y6Q0D4WI6/New+Zealand.jpg Blog - Highlights from Two Weeks in New Zealand https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1502687444497-QAHLSGULYG1PCHI4QTXO/image-asset.jpeg Blog - Highlights from Two Weeks in New Zealand Auckland Skyline from Mount Eden https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1502687517008-FYNIZ02JMTL79WEMIXO5/Emerald+Pools+at+the+Tongariro+Alpine+Crossing Blog - Highlights from Two Weeks in New Zealand Emerald Pools at the Tongariro Alpine Crossing https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1502687546193-NC0RRT6TU79STDHI2Z1E/image-asset.jpeg Blog - Highlights from Two Weeks in New Zealand Pancake Rocks at Punakaiki https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1502687569349-KAAZCG1YIUU7U8R3PEGV/image-asset.jpeg Blog - Highlights from Two Weeks in New Zealand Roberts Point Track https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1502687593685-1SJ90RF0UTTUQVBI4YVY/image-asset.jpeg Blog - Highlights from Two Weeks in New Zealand Franz Josef Glacier from Roberts Point https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1502687616588-C9HD33HGCS1N2M5N2P2Z/image-asset.jpeg Blog - Highlights from Two Weeks in New Zealand Lake Matheson https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1502687644936-TW3R346320P257SF7ARR/image-asset.jpeg Blog - Highlights from Two Weeks in New Zealand Lake Wanaka https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1502687669437-GINGBCJDHWY90IS5XDOU/image-asset.jpeg Blog - Highlights from Two Weeks in New Zealand Milford Sound - Shot with an iPhone https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1502687700116-TLK8Q2NVV7IMGQ32PGQ0/image-asset.jpeg Blog - Highlights from Two Weeks in New Zealand Gertrude Saddle Hike https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1502687740058-5EFG0JY4VEZLB637DSZT/image-asset.jpeg Blog - Highlights from Two Weeks in New Zealand Mrs. Frugal Hacker at Gertrude Saddle https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1502687761449-A00CCFIS5RQZT3UJUOOA/image-asset.jpeg Blog - Highlights from Two Weeks in New Zealand Lupine Fields near Cascade Creek https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1502687791278-UL8IX0271DW1Q0W4QNEV/image-asset.png Blog - Highlights from Two Weeks in New Zealand Our road trip itinerary https://www.frugalhackers.com/blog/2017/8/11/financial-independence-isnt-optional monthly 0.5 2017-08-11 https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1501046862839-UQ2AAHWE9FS7QDIRCUA7/FlyLikeABird.jpg Blog - Financial Independence isn't Optional Soar like a bird once you reach financial independence https://www.frugalhackers.com/blog/2017/8/8/frugal-travel-series-part-4-save-on-accommodation monthly 0.5 2017-08-18 https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1501378778312-N406PKYGY67ACURVYMHM/Frugal+Travel+Series+Part+4%3A+Save+on+Accommodation Blog - Frugal Travel Series Part 4: Save on Accommodation A safe place to sleep at night. Everything else is bonus! https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1501373199734-6RIVM1EAFALLHFSGTFIO/Location%2C+Location%2C+Location Blog - Frugal Travel Series Part 4: Save on Accommodation The marker is where we stayed in Prague. Right in the heart of Old Town, close to public transit. https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1501378858309-5XYI23LWWHOQ0ZEK4572/View+from+Budapest+Airbnb Blog - Frugal Travel Series Part 4: Save on Accommodation View from the balcony at our Airbnb in Budapest. Quaint exterior, newly remodeled interior! https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1501379069415-V89VWNIOJT4OWLP11VB0/New+Zealand+Airbnb Blog - Frugal Travel Series Part 4: Save on Accommodation Perfectly manicured gardens at our Airbnb house in Cape Foulwind, New Zealand. https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1501378343058-Y98USA0FRG9LJG3Y8931/image-asset.jpeg Blog - Frugal Travel Series Part 4: Save on Accommodation Our campsite in Jasper National Park, Canada https://www.frugalhackers.com/blog/2017/8/5/the-frugal-hackers-net-worth-tracker monthly 0.5 2019-01-06 https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1501826726946-KS9RTQE5N24VH4QRW6RU/NetWorth.png Blog - The Frugal Hackers Net Worth Tracker Are you ready for some number crunching? https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1506358103226-TNVFSBPNS7QZXT9S9Y0O/NetWorthTemplate.png Blog - The Frugal Hackers Net Worth Tracker https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1501826386361-I8U6DYF2M0VKLAPECWND/CondoHome.png Blog - The Frugal Hackers Net Worth Tracker Our new condo (not in the woods). 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How to Save Money on a Gym Membership https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1498800494042-COJ5PQSPQQXD9FF1T6Q6/14206172_10101711168757117_8250653761640004641_o.jpg Blog - How to Save Money on a Gym Membership https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1498800495531-5A1SS8HXAPGP0PH17C5T/15419752_10101871708434317_9108838605879536384_o.jpg Blog - How to Save Money on a Gym Membership https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1498800495337-YAM58EB78BEA226JP2ZH/11194414_10152911970178471_5044911755759242155_o.jpg Blog - How to Save Money on a Gym Membership https://www.frugalhackers.com/blog/2017/7/1/why-we-eat-anything-vegetarian monthly 0.5 2017-09-06 https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1498627597566-FAFH42BMK96AOWQSPW7D/SumptuousBreakfast.jpg Blog - Why We Eat Anything Vegetarian A sumptuous and healthy vegetarian breakfast https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1498628444880-T1FN4OO4ACGPKSS16N94/Carrots.jpg Blog - Why We Eat Anything Vegetarian Carrots actually come in more colors and varieties than you might think. Can you see yourself eating them all? Or is your mind set on how a carrot should look like before it becomes edible? https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1498628042321-JYYI93V2SEBVTS14QVHW/Veggies.jpg Blog - Why We Eat Anything Vegetarian Can you spot all the veggies in this photo? Could you eat all of them? https://www.frugalhackers.com/blog/2017/6/30/why-we-have-never-owned-a-car monthly 0.5 2017-07-24 https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1498544279063-MWMI3AYZ62SWTRUAXKR1/ExpensiveCar.jpg Blog - Why We've Never Owned a Car Does your car look anything like this? 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Think about it first. Does it match your financial goals? https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1498422165628-S0VKM4YZX9LJ0PE9NJPK/IKEA-furniture Blog - Frugal Hacking: Things We Don't Do How many IKEA products can you spot in this picture? https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1498627353741-COF6HD7F8M25TFD53HUY/Cycling+Routes+near+San+Francisco Blog - Frugal Hacking: Things We Don't Do There's no shortage of cycling routes in the SF Bay Area <3 https://www.frugalhackers.com/blog/2016/6/27/frugal-hackers-expense-review-june-2017 monthly 0.5 2017-07-24 https://www.frugalhackers.com/blog/2016/6/26/the-discomfort-zone monthly 0.5 2017-07-24 https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1498353488819-7PDE9DZ4HGTQF81K43YR/Clipless+pedal Blog - The Discomfort Zone The cleats on the bike shoes clip into this pedal https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1498353508898-98MVP9O2WQ8KXHP0Y3X7/Clipped+in+Bike+Shoes Blog - The Discomfort Zone Source: https://roadcyclinguk.com/gear/buyers-guide-cycling-shoes.html https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1498354052963-GOMQ7R61K8NA0TWZVYRK/SanFranciscoCycling Blog - The Discomfort Zone https://www.frugalhackers.com/blog/2017/6/25/your-401k-demystified monthly 0.5 2017-11-08 https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1498356873996-8PHNR8HVB4BWJNF62DC9/image-asset.png Blog - Your 401(K) Demystified https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1498355654207-TTOROTQUL0VR42CRKW7X/401k Blog - Your 401(K) Demystified Choices offered by my 401(k) provider (Fidelity) sorted in descending order of expense ratios (i.e. fees). Look to invest in the low-cost index funds towards the bottom of the list. https://www.frugalhackers.com/blog/2017/6/24/hacking-costco-true-frugal-hacker monthly 0.5 2017-07-24 https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1498349752273-N741LVJ5PWIE325UGGL3/Costco+Shopping+Cart.jpg Blog - How to Hack Costco like a True Frugal Hacker That great feeling when you've escaped Costco with just 5 items in your cart, and none of it junk food. https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1498351867153-WP726DD532IJGQLAGFJV/Costco+vs.+Whole+Foods Blog - How to Hack Costco like a True Frugal Hacker Unit price comparison of basic bulk stuff we get between Whole Foods and Costco. On average, Whole Foods is 82% more expensive than Costco in our city (San Francisco). https://www.frugalhackers.com/blog/2017/6/24/tweet-discovering-financial-independence monthly 0.5 2017-09-10 https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1498328813819-V4ASOR1G510O4XK7WXTD/Inspiration-FrugalHackers.com Blog - The Tweet that led us to Discovering Financial Independence Is this what independence looks like? Inspiration Point, Banff, Canada https://www.frugalhackers.com/blog/2017/6/23/financial-independence-before-35 monthly 0.5 2017-09-10 https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1498327418536-XKKLXLWYJ3HDSY56C4BR/image-asset.jpeg Blog - How We're On-Track to Becoming Financially Independent Before the Age of 35 https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1498286987652-CEOOZFX18IFJUOKJKH6G/Financial+Projection.png Blog - How We're On-Track to Becoming Financially Independent Before the Age of 35 Our financial projections as of May 25th 2017. This shows a projection of our net worth over the next 5 years. The blue line is our actual net worth, while the green line is our forward projection of where we think we'll be if our lifestyle remains unchanged. The orange horizontal line is the required minimum goal for financial independence living in a moderately-priced suburb of Vancouver, BC, while the red line shows our ideal goal to give us tons of extra padding to account for recessions + market corrections. https://www.frugalhackers.com/blog/2017/6/22/how-moving-cities-can-improve-your-life-dramatically monthly 0.5 2017-09-01 https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1504241992986-XYYQMKIW2NO002XEB0HP/Frugal+Hackers+Moving+Cities Blog - How Moving Cities Can Improve Your Life Dramatically https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1498412924182-7TJSKTJ9IR308DYEUDXQ/BlueMarble Blog - How Moving Cities Can Improve Your Life Dramatically Hey North American readers, can you spot your hometown? https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1498279096987-WDCRLUC2AW0EB1OZF4PH/RootHaveWings.jpg Blog - How Moving Cities Can Improve Your Life Dramatically On to the next adventure! https://www.frugalhackers.com/blog/2017/6/21/maximize-your-savings-rate monthly 0.5 2017-09-16 https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1498025481351-FELZW6Z1WPFQOE6968QM/coins.jpg Blog - Maximize Your Savings Rate https://images.squarespace-cdn.com/content/v1/59476999cd0f681e7eed31c1/1498107870268-EPYH4YADB3U2V5KQSMLT/Savings+Rate.png Blog - Maximize Your Savings Rate How quickly you reach financial independence (FI) is directly related to your savings rate. 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