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Tweet Have you guys heard of BrightScope? It’s a company that scores a company’s 401K plan among several dimensions. The 401K, alongside IRAs, is one of the only major tax advantaged retirement vehicles middle class Americans have access to. And with pensions on the decline, it’s more important than ever to have, and use, a good 401K plan. […]

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Tweet Over the long weekend, CB and I went on a mini-hiking trip to Pedernales Falls State Park and Enchanted Rock State National Area in western Texas. As newbie hikers who enjoy our creature comforts, our itinerary of hiking + BnB + hiking + nap fits us perfectly. Pedernales Falls took my breath away. I […]

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Tweet Hello there – it’s been a while! In the weeks since I last wrote, I (1) spent a month traveling to Japan and Europe, spending $10,000 in the process; (2) moved to a new city with exactly 4 dresses, one suit, and 5 pairs of shoes, thereby getting a crash course in minimalist living; (3) started a new […]

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Tweet Whether you’re travelling for business or pleasure, it pays to do a little bit of research in advance to get the best deals. Although there are often last minute deals or discount coupons available for hotel rooms, it can be a bit trickier to avoid hidden charges and get a fair price on a […]

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Tweet In welcoming the second half of 2014, I’m going to shed my Moderator skin and try behaving like an Abstainer for the rest of the year in a bid to max out my 401K and pay for CB’s private school tuition at the same time. That means that from July to December 2014, I am refraining from less-than-necessary purchases. […]

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Tweet Multi-generational living on the rise despite historical stigma The US has a thing about living alone: moving out of your parents’ home and living without roommates has been long deemed a sign that you have achieved adulthood. I come from a culture where it’s normal, even expected, for folks to live with their parents until […]

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Tweet I have very mixed feelings about retirement calculators. Perhaps that’s why although I’ve been saving for retirement since my early twenties, I almost never run retirement calculators. (I think the last time I did it was in 2010, with the Pudding Index). And when I do, I don’t really pay attention to those numbers. Why? […]

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Tweet A lot of people say you shouldn’t borrow money from family, or that you should draw up complicated documents or have really in-depth conversations about it. I realized that in my family, this isn’t really the way things go. Siblings lend/borrow from each other to take advantage of real estate opportunities or help out […]

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Tweet My month-long no shampoo experiment started by accident. I finished using my bottle of shampoo a few days before graduation, and I didn’t want to buy another bottle before I had to move. I have also read a little bit about this “no-poo” movement online, and thought it couldn’t hurt to go without shampoo […]

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Tweet Sometimes, a conversation is better with structure. CB and I usually talk late at night, when we are both pretty tired from the day, and our conservation isn’t the most scintillating. Then I remembered an idea I read about – the “highlight, lowlight, surprise” structure, where  we’ll go over the highlight of our day, the lowlight […]

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Tweet Since my last post I have packed and shipped all my stuff, finished grad school, and went on an AWESOME and not-at-all-frugal  vacation with my parents to New York City, Boston, Montreal, and Quebec City. It was their first time to the East Coast and to Canada. I’ve been to Boston and New York City […]

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Tweet This is the night view from our balcony in the Condado district of San Juan, Puerto Rico. This was somewhat of a spur of the moment trip – a good girlfriend wanted to go somewhere to celebrate the impending end of our graduate school journey, but she had visa issues that precluded traveling outside of the […]

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Tweet In the next couple of weeks, I’ll be on my way to Boston where I’m meeting up with Mom & Dad for our first ever family vacation to the East Coast. It will be great because I will be done with finals!! and I will get to go on vacation with Mom and Dad. When […]

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Tweet The above picture probably makes it quite clear how moving makes me feel about furniture, clothes, decorative items, necessary items, i.e. all of the stuff that I own. My room is looking extremely empty right now, thanks to a frenzied bout of Craigslisting in preparation for my move after graduation. This situation is akin to […]

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Tweet So says a new Time Magazine article that concludes “Millennials are scary smart with their money”. After I read the article, I wouldn’t go so far as to say “scary smart”, but it seems that more Millennials understand the importance of saving than other generations. In fact, financial security may be one of THE most […]

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