Comments on: Lifestyle Choices Matter More Than Investment Returns

By: Leon @ Make Save Invest Money

Leon @ Make Save Invest Money — Fri, 20 Jul 2018 21:43:18 +0000

Such a great way of explaining things and keeping it simple.

I like how the story built from paragraph to paragraph.

We should all be careful about the lifestyle choices we make. Live on less than we earn. Then save (for short-term) and invest (for long-term) the rest. After 20+ years we will acclimated a serious amount of wealth!

By: Zach @ Four Pillar Freedom

Zach @ Four Pillar Freedom — Sun, 08 Apr 2018 12:08:15 +0000

In reply to Erin | Reaching for FI. Thanks, Erin! You nailed it - focus on the things you can control and let the market do whatever it may. The best thing for you to do is increase your income and keep your spending in check :)

By: Zach @ Four Pillar Freedom

Zach @ Four Pillar Freedom — Sun, 08 Apr 2018 12:07:04 +0000

In reply to Matt @ Spills Spot. Thanks, Matt!

By: Zach @ Four Pillar Freedom

Zach @ Four Pillar Freedom — Sun, 08 Apr 2018 12:06:43 +0000

In reply to Kara@provincialtable.

Agreed, Cincy is one of the more affordable cities in the midwest. It’s a great place to save money – small world 🙂

By: Matt @ Spills Spot

Matt @ Spills Spot — Fri, 06 Apr 2018 17:54:13 +0000

Love this post man, such a simple concept yet the graphs hammer the point home. Small lifestyle choices applied consistently over time make a huge difference.

By: Kara@provincialtable

Kara@provincialtable — Fri, 06 Apr 2018 00:03:32 +0000

Being disciplined about how much you spend is an important part of the journey to financial independence . It doesn’t always seem like small expenditures will make a difference, but as you show above, they do.
BTW, I used to live in Cincinnati. It’s a great town and so affordable!

By: Erin | Reaching for FI

Erin | Reaching for FI — Thu, 05 Apr 2018 20:20:56 +0000

I LOVE how you so very clearly lay out how cutting expenses can make/save you the most money in the long run. As someone watching her tiny account numbers creep up almost imperceptibly, it’s a good reminder that the things I actually have control over (aka NOT the market) are the things that’ll help me most right now.

By: anonymous

anonymous — Thu, 05 Apr 2018 15:12:35 +0000

Yup, the best thing about lifestyle choices is that they are 100% under your control, vs investment returns which are a function of the market. Its even better when you compute the pretax value that would needed to be earned to pay for that savings.

By: Amy @ fivefeetsmall

Amy @ fivefeetsmall — Thu, 05 Apr 2018 14:20:51 +0000

Loved this post! I am in a position much like yourself (inching my way toward $100K net worth) and this gave me grave perspective. BRAVO on another great post!