Mini Thoughts

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Category: Educational

  • Financial Education Series: The 4% Rule – How to Become Free

    Breaking down the famous 4% Rule: how a safe withdrawal rate turns your investment portfolio into a lifetime machine of financial freedom—and why saving just $192 a week from age 18 to 59 can compound into a staggering $5 million retirement.

  • Determined to be Debt Free – June 2026

    Shifting investment dividends into cash helps spark a massive $4,844 debt reduction this month, despite emergency mower repairs and calculated gaming side hustles.

  • Recipe: Lebanese Kibbeh

    Passing down the traditions of a massive Lebanese heritage through a generational recipe for raw kibbeh, complete with butcher secrets and childhood food nicknames.

  • Return on Investment: Money Only or Everything in Life?

    I’ve been experimenting with high-yield dividend funds like EARN and COIW in my “Snowball Experiment.” While some positions are currently underwater, the dividends are steadily working to erase those paper losses. This post is a transparent look at why I continue holding these weekly payers even when the price is red.

  • Financial Education Series: Mr. Money Mustache Math

    Skipping a single $25 weekly coffee habit over an adult working lifespan can yield over $500,000. It’s not about deprivation—it’s about understanding the true cost of your spending.

  • Frugal Friday June 5th 2026: Week 1 of Summer Break

    I’m not sure where this week went but it flew by really fast. Somehow it’s already Friday. My youngest had a friend stay with us the whole week so we’ve been feeding six instead of five. It’s been a pretty good week for home cooking, and popsicles. My youngest has her birthday party this weekend…

  • Writer’s Block or Summer Distractions?

    I’m supposed to be working on the next Introduction to Finance article, but this week has been a whirlwind. We got back from the wedding and I pumped out the end of month update. Then I had to work on my shed and yard, and the dog was sick, and my mother-in-law had to go…

  • Tired, but Ready to Work

    Real life hit hard with a wave of unexpected expenses on top of regular utility bills. Here is how dividend income, covered calls, and strict discipline kept the debt ship afloat.

  • Frugal Friday May 29th 2026: Leftovers Galore

    rugal Friday May 29th 2026: Leftovers Galore. Between wedding prep and a road trip to Maryland, leftovers have been a lifesaver this week. Also found a restaurant supply store for cheap bulk ground beef — big meal prep coming soon!

  • Frugal Friday May 22, 2026: Memorial Day Weekend

    Frugal Friday May 22, 2026: A week of smart leftovers kept spending very low despite some medical bills popping up. Memorial Day Weekend is here — how are you staying frugal this weekend?

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