A site about financial minimalism

Minimal Finances

#628: The Financial Challenges Faced by Kind Individuals, featuring Dr. Sandra Matz, Professor at Columbia Business School

#628: The Financial Challenges Faced by Kind Individuals, featuring Dr. Sandra Matz, Professor at Columbia Business School

You adhere to all the correct personal finance recommendations. You're aware that you should increase your savings, invest consistently, and create an emergency fund.

#627: Q&A: When Having Good Financial Skills … Isn't Sufficient

#627: Q&A: When Having Good Financial Skills … Isn't Sufficient

Jlyn and her husband are two decades away from retirement, yet they're considering buying a second home for their future use. Should they proceed with the purchase now, or continue to save?

#626: The Unseen Psychology of Unfulfilled Dreams, featuring Dr. Zorana Ivcevic Pringle from Yale University.

#626: The Unseen Psychology of Unfulfilled Dreams, featuring Dr. Zorana Ivcevic Pringle from Yale University.

A software programmer and an accountant enter the realm of retirement planning. Are they exhibiting creativity? According to Dr. Zorana Ivcevic Pringle, a senior research scientist at Yale University’s Center for Emotional Intelligence, the answer is undoubtedly yes.

#625: JL Collins Parte 2: ¿Qué sucede cuando ya no necesitas trabajar?

What should you do when you achieve financial independence? According to JL Collins, it all hinges on your spending habits rather than solely on your net worth.

#624: JL Collins Parte 1: El Camino Sencillo frente al Camino "Óptimo"

#624: JL Collins Parte 1: El Camino Sencillo frente al Camino "Óptimo"

JL Collins is unfamiliar with the concept of the efficient frontier. The author of "The Simple Path to Wealth" — known for VTSAX and a laid-back investment approach — openly acknowledges this when we pose advanced investing ideas to him.

#622: First Friday: The Rising Pessimism Among Americans

#622: First Friday: The Rising Pessimism Among Americans

The headlines announced that the United States created 147,000 jobs in June. However, the truth is that private businesses actually eliminated 33,000 jobs.

#621: Questions & Answers: What Types of Investments Should Be Placed in Which Accounts?

#621: Questions & Answers: What Types of Investments Should Be Placed in Which Accounts?

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#620: The Concealed Expense of Your Job Replacement, featuring “Money with Katie” host Katie Gatti Tassin

#620: The Concealed Expense of Your Job Replacement, featuring “Money with Katie” host Katie Gatti Tassin

You might believe that your worth to your employer is just reflected in your salary. However, Katie Gatti Tassin has a different perspective — your value is significantly greater than that.

#619: Q&A: My Business Is Going Public, and I'm Uncertain About What Steps to Take – Also, Should I Let My Advisor Go?

#619: Q&A: My Business Is Going Public, and I'm Uncertain About What Steps to Take – Also, Should I Let My Advisor Go?

Dave is dissatisfied with his financial advisor, but he feels anxious about transitioning to self-management after being completely uninvolved for such a long time. What steps should he take?

#618: Retiring at 50 While Caring for Elderly Parents, Featuring Frank Vasquez

#618: Retiring at 50 While Caring for Elderly Parents, Featuring Frank Vasquez

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#617: Questions & Answers: We Recently Had a Baby and Experienced a 50% Decrease in Our Income

#617: Questions & Answers: We Recently Had a Baby and Experienced a 50% Decrease in Our Income

Austin and his wife are concerned about transitioning to a single-income household while caring for two children. Should they increase their cash flow by settling their car loan, or should they tighten their budget and maintain their current situation?

#616: The Ways Hackers Are Taking Your Retirement Funds in $50 Increments, featuring former CIA hacker Dr. Eric Cole.

#616: The Ways Hackers Are Taking Your Retirement Funds in $50 Increments, featuring former CIA hacker Dr. Eric Cole.

Two teachers in Ohio dedicated their entire lives to one aspiration — purchasing a farm.

How to Afford a Home Today

How to Afford a Home Today

Recently, a reader from MMM visited and shared a comment on one of my earlier posts regarding the principles of FIRE. Like with any critique of our concepts, I reflected on this comment...

#615: Q&A: We Have $1.2 Million in Savings, Yet We’re Still Renting. Should We Consider Buying?

#615: Q&A: We Have $1.2 Million in Savings, Yet We’re Still Renting. Should We Consider Buying?

Emily feels anxious that purchasing their first home might hinder her family’s path to financial independence. What is the wisest approach to utilize their savings and remain on course?

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!