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This post is by staff writer Honey Smith. In my last post, I talked about motivation and money. Motivation is a huge yet under-discussed concept in personal finance, I think. While big wins may be the quickest way to wealth, that doesn’t mean you’ll reach your goals overnight. Even if you have become wealthy, you still need…


Sharon M. shared some of her personal finance journey with us this week. Some reader stories contain general advice; others are examples of how a GRS reader achieved financial success or failure. These stories feature folks with all levels of financial maturity and income. Want to submit your own reader story? Here’s how. About a year ago,…


This article is by editor Linda Vergon. In honor of Independence Day, I thought it would be fun to see if we could come up with 1,776 ways to get rich slowly. After all, reaching “financial independence” these days does require some of the spirit our founding fathers had when they stood up to a…


Note: This article is from J.D. Roth, who founded Get Rich Slowly in 2006. J.D. recently launched the Get Rich Slowly course, a year-long guide on how to master your money. His non-financial writing lives at More Than Money. When I was young, my father got audited by the IRS. I can’t remember the details…


This article is by staff writer Holly Johnson. In late 2008, Lance Cothern reunited with his high school girlfriend Tori after several years apart. Lance was almost ready to earn a bachelor’s degree in accounting, and Tori was a sophomore studying nursing at a four-year public university at the time. After a few years of…


This article is by staff writer April Dykman. “You + me + swimming date at the springs.” That was the text message I sent to my friend Kacey last week. “Are you flirting with me?” she replied. “Let’s make this official.” See, every summer I solemnly swear that I’m going to spend the next several…


This article is by staff writer Lisa Aberle. When I finally and completely quit my once-full-time job in May, something changed: Neither my husband nor I have access to an employer-sponsored retirement plan. With a significant drop in income, we’re looking at maximizing our now small retirement account contributions. So, how can we get the…


This article is by staff writer April Dykman. There are a lot of really good reasons to have a life insurance policy, no doubt. If you have children, they’re dependent on your income. You want them to be taken care of should something ever happen to you. If your spouse stays at home with the…


This article is by staff writer Kristin Wong. (This is a two-part series. Part I is “Our brains on scarcity: The trap of not having enough.”) For my last post, I wrote about the book “Scarcity: Why Having Too Little Means So Much.” To recap, researchers Sendhil Mullainathan and Eldar Shafir conducted a series of…


This article is by staff writer Kristin Wong. (This is a two-part series. Part II is “Our brains on scarcity: Breaking out of the trap.”) I recently discovered the book “Scarcity: Why Having Too Little Means So Much.” To be honest, I don’t even remember how I came to find out about the book. Maybe…


This article is by staff writer William Cowie. A short while ago, our readers were asked (talking about your personal financial journey) “What is the next step?” J.D. offered an answer in his 2009 article: the third stage is… investing. Why? Why invest? In life, you can get income from only two sources: your work (in a…


This post is by staff writer Honey Smith. Especially for those of us like me who are in the midst of the long, hard slog of debt pay-down, staying motivated can be tough. How do you keep your excitement up and your determination high when financial independence is barely visible on the horizon? Here are…


This article is by editor Linda Vergon. Holly Johnson’s post (“The high cost of keeping up with the Joneses”) got me thinking about a number of things this week, but mostly about how people manage their credit. Obviously, if you’re intent on keeping up with the Joneses and you’re living above your means, that house…


This article is by staff writer Sam. Sam spent 13 years working in Equities on Wall Street and discusses financial independence strategies on Financial Samurai. Sam is also the founder of the Yakezie Network, the largest personal finance blog network on the web. If you want to know how to get the best deal possible,…


This article is by staff writer Holly Johnson. In late 2004, Kim Parr and her family upgraded their lifestyle with a brand new home in a rural area. As an optometrist with a higher-than-average salary, it seemed like the natural thing to do. After all, Kim’s husband had a secure (albeit lower-paying) job in education…


This article is by staff writer April Dykman. You know all those great tactics to save huge chunks of cash — the tactics that don’t require you to scrimp and save? I’m talking about things like lowering the APR on your credit card or getting a better deal on your car insurance — paying less for…


This article is by staff writer Lisa Aberle. I am writing this article in silence, thanks to my kids’ 7 pm bedtime. And tonight is the last early bedtime night because – sob! – tomorrow is the final day of school. While I love my children, I admit to some qualms about summer vacation. How…


This article is by editor Linda Vergon. Last December, Honey Smith was in the throes of some major life changes – her husband started his own business, only to sell it and start a new job, adding to the pressure to move and possibly buy a house. She wrote about it in her blog post…


This article is by staff writer Kristin Wong. In an ideal world, you wouldn’t need to go negotiate. In an ideal world, the weather would be perfect, there would be no war, and your employer would simply say, “Hey, your value to our company has increased. Here’s ten thousand dollars.” If only, right? When it comes…


This article is by staff writer Kristin Wong. I fight splurges less often than I used to, but the urge still pops up occasionally. Sometimes, it’s okay to splurge; but mostly, I find myself wanting to resist temptation. There are a few questions I ask when I’m mulling over a purchase: Do I have money saved…


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