A site about financial minimalism

Minimal Finances

#600: Mini-Retirements Are the New Early Retirement – featuring Jillian Johnsrud, mother of six

Jillian Johnsrud was struggling. Following a miscarriage, she found it difficult to regain her composure and go back to her position as a youth pastor in Washington, D.C. She chose to take a month off.

Are you missing out on $19,909?

Are you missing out on $19,909?

Imagine this: It's 2 a.m. and you're fully alert, going over tomorrow's salary discussion in your mind for the fifteenth time.

The Wealth Formula Not Covered in Business School

The Wealth Formula Not Covered in Business School

There are two routes to becoming a business owner.

#599: Questions and Answers: Effective Retirement Calculations; Profiting from the World Cup; and Why Your Parents' Housing Recommendations May Be Misguided

#599: Questions and Answers: Effective Retirement Calculations; Profiting from the World Cup; and Why Your Parents' Housing Recommendations May Be Misguided

Becky and her husband are nearing semi-retirement. However, the four percent rule for retirement withdrawals isn’t suitable for them. Should they consider different financial strategies?

#598: Tax Strategies You May Be Overlooking, featuring Natalie Kolodij

#598: Tax Strategies You May Be Overlooking, featuring Natalie Kolodij

Tax day is nearing, and if you’re similar to most individuals, you may be missing out on deductions that could help you save money.

#597: Are We Moving Toward a Recession?, featuring Bob Elliott, former Leader of Ray Dalio’s Investment Team at the World’s Largest Hedge Fund

#597: Are We Moving Toward a Recession?, featuring Bob Elliott, former Leader of Ray Dalio’s Investment Team at the World’s Largest Hedge Fund

A recession is on the horizon, and it could be more severe than what many anticipate. This is the candid evaluation from Bob Elliott, the former leader of Ray Dalio’s Investment Team at Bridgewater Associates, as he shares his insights on the podcast.

#596: First Friday: While Tariffs Make the News, These Financial Changes That No One Is Discussing Will Affect You as Well

#596: First Friday: While Tariffs Make the News, These Financial Changes That No One Is Discussing Will Affect You as Well

Yesterday, the White House implemented the largest tariffs in a hundred years, leading to the most significant market drop since the pandemic. Although the news emphasizes supply chains and inflation, there are crucial economic narratives that aren't being covered.

#595: Q&A: The Terrifying Transition from Saving to — Yikes! — Really Using Your Money

#595: Q&A: The Terrifying Transition from Saving to — Yikes! — Really Using Your Money

Eva is nearing her financial independence objectives, but she is struggling with how to transition smoothly from accumulating assets to depleting them. What factors should she take into account?

#594: Traveling on $75 Daily with Nomadic Matt Kepnes

#594: Traveling on $75 Daily with Nomadic Matt Kepnes

Have you ever thought about whether you could travel for several months? According to Nomadic Matt, who has traveled to over 100 countries in the past 19 years, it’s possible to explore the world for just $75 a day. That totals around $27,375 a year, which is less than what many people currently spend on living expenses.

Why Financial Errors Are Inevitable (And How to Address Them)

How to handle financial errors and regrets, the reasons they are unavoidable, and how to reframe them to prevent them from draining your mental energy.

#593: Q&A: You’ve Made a Financial Error. What Should You Do Next?

#593: Q&A: You’ve Made a Financial Error. What Should You Do Next?

An anonymous caller is reflecting on an error he made in 2023 when he opted to invest in his Roth account rather than a pre-tax account. How can he move past this?

#592: Understanding Why Your Brain Gives You Rewards for Steering Clear of Your Boss, featuring Dr. Joel Salinas

#592: Understanding Why Your Brain Gives You Rewards for Steering Clear of Your Boss, featuring Dr. Joel Salinas

Have you ever thought about what occurs in your brain just before you approach your boss to request a raise? Dr. Joel Salinas, a neurologist and expert in brain health, is here to discuss the neuroscience behind negotiation.

#591: Harvard Negotiation Specialist: The True Cost of Avoiding Conflict Is Greater Than You Realize

#591: Harvard Negotiation Specialist: The True Cost of Avoiding Conflict Is Greater Than You Realize

#591: Harvard Negotiation Specialist: The True Cost of Avoiding Conflict Is Greater Than You Realize

#590: Small Cap Showdown! Paul Merriman vs. Dr. Karsten Jeske Face Off … with Millions at Stake

#590: Small Cap Showdown! Paul Merriman vs. Dr. Karsten Jeske Face Off … with Millions at Stake

In the left corner, we have Paul Merriman, the experienced finance expert weighing 183 pounds. In the right corner stands Dr. Karsten Jeske, the tough newcomer at 208 pounds. The bell rings, signaling the start of the small-cap value debate.

Financial Minimalism: Achieve Freedom by Cutting Out Unnecessary Expenses

Welcome to our platform dedicated to financial minimalism—a philosophy and set of practices designed to simplify your financial life and help you make more conscious decisions about your money. We focus on reducing wasteful spending, identifying your most important financial priorities, and building a stable foundation for long-term security.

Here, you’ll find step-by-step guides and practical tips to develop healthy financial habits, from budgeting basics to smart investing strategies. Our goal is to show you that financial minimalism doesn’t mean sacrificing comfort; instead, it allows you to redirect your funds toward what truly matters—travel, personal growth, or those special purchases that bring real value and enjoyment.

We feature real-life success stories from individuals who have embraced financial minimalism and experienced positive changes in their lives. You’ll also learn about the psychological aspects of saving and spending, empowering you to make well-informed decisions and maintain control over your finances. Join our community of like-minded individuals and take the first step toward greater financial freedom, less debt-related stress, and a more intentional approach to money management!