Crisp Retirement

A clean path to early retirement and financial freedom through common sense.

The Mighty Saving Power of the Word “No”

Mighty NoThis single word can be super powerful at saving you money. Maybe it doesn’t always have to be “no” exactly, but something with a similar effect. However, this doesn’t need to be taken to an extreme – life isn’t exactly fun if you just say no to everything! It all comes down to turning down things you don’t need, or won’t add anything to your life.

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Don’t Blindly Contribute to a Roth

blind_rothPeople planning for retirement will often put money into a Roth IRA or Roth 401K account, but that may not always make sense. This applies to  both normal and early retirement. Everybody has different situations, so it is important to consider tax implications before blindly contributing to a Roth account.

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Building a Website on the Cheap

This blog got started up with a custom domain name for about $35. Unless my traffic gets larger, that’s all I will have to pay for two years worth of service. That means that I’m only paying around $1.45 per month for a website with a custom “.com” domain name, SSL, and privacy protection. That’s really cheap! This blog is about making smart money decisions, so this doesn’t mean that you should just go start a website. However, if you were planning to start one anyhow, save some money!

So how is the website built and how can you build one?

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Fix your Broken Resolutions

fail_resolutionsWe are several weeks into the New Year and chances are that you made some resolutions. There is also a good chance that you’ve already broken a resolution. Don’t worry though! Just because a resolution is broken doesn’t mean you can’t get back on track! This is certainly true for financial resolutions.

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A Stock Experiment

initial_robinhood_cropI say plenty of things about saving and investing on this blog, but how about starting a stock experiment? Let’s experiment to see how stocks picked by the readers perform compared to the S&P 500. I don’t really recommend picking individual stocks over putting them in a fund, but for the sake of this experiment, I will.

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Save Money – Drive like a Sane Person

car_skidI follow pretty much all of the opinions I share on this blog. This is one that I’m not so great at – at least when it comes to speeding, but I have gotten better! Slowing myself down by just 5mph took some effort, but it has paid off. Driving less aggressively and slowing down a little bit can pay off for you too if you’re anything like me!

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Spend less or Earn more?

Meet Bill and Suzie. They’ve decided that it would be good to double the amount they contribute to their 401K’s so they can retire earlier. They have a question though: “Should we try to spend less or try to earn more?”

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You Don’t Need 1 Million Dollars to Retire

You simply don’t need $1 Million to retire! You may have heard that you need this much or even more, but that might not actually be the case. You could want that much, but probably don’t need it. If you spend a lot of money and plan to keep spending as much, you might need $1 Million, but most people can live on much less.

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There might be a Snake Eating your Nest Egg

nest_egg_snakeThere may be many things that are keeping you from saving, but after you’ve set money aside for your retirement nest egg, you could have another thing sneaking in to grab cash from the egg. That snake could be somebody you trust – somebody who is helping you invest. It could be the company that manages your retirement fund.

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Musings from one Millennial on Money