Mini Thoughts

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Welcome to My Financial Independence Journey

Monthly Dividend Progress

Newest Article

Frugal Friday September 4th, 2026: Fair-ly Frugal

September 4, 2026

A quick Frugal Friday check-in on keeping fair weekend costs under control with pre-bought tickets and daily food budgets, plus a tip for PC gamers looking for discounted Steam keys.
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Just Starting? Check out these articles:

Talk Like An Investor:

Investing is a different language—if you don’t know the lingo, the math sounds like noise. From the “4% Rule” to mastering your “Investment Policy Statement,” here is the foundational glossary I use to keep the Snowball rolling.

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What This Blog is About:

Can you turn a $14,000 baseline into $1,000 a month in passive income? This is the blueprint of the Snowball Experiment, detailing the specific monthly-paying funds I’m using to build a self-funding investment engine.

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Debt and How to Tackle It:

Before you can grow a portfolio, you have to stop the bleeding. I’m breaking down the math between the Debt Snowball and the Debt Avalanche—and why a little Stoicism is required to stop the interest from eating your future gains.

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Retirement; My IPS in Action:

Transparency is key. Here is the $512,000 “safety net” behind the Snowball Experiment—including my 401k, IRAs, and HSA. This is the diversified foundation that allows me to play the long game with Stoic confidence.

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What the Hell is an IRA?

Is a Roth better than a Traditional? I’m demystifying the IRA “buckets”—breaking down the tax advantages, contribution limits, and the real-world math of how a few dollars a day can grow into a million-dollar safety net.

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