As our net worth and Incomes have grown, it takes larger and larger amounts of money to get my attention. Our latest Net Worth report showed a $35,000 jump and I would be really pissed only getting a few thousand dollar raise each year (sounds terrible, but true). A few years ago a $10,000 jump […] The post Screw The Number$, Focus on the Habits appeared first on Apathy Ends ..read more

We are typically a DIY household. We saved thousands when we built our house 4 years ago by rolling up our sleeves and doing our own tile floors and landscaping. I have built furniture, painted nature scenes on my kid’s walls before they were born and am an amateur furnace repair man. You can save […] The post Is DIY Worth It? appeared first on Apathy Ends ..read more

Time for a quarterly check in! This makes 13 quarters in a row I have tracked our net worth. Last quarter was the first drop, and in Q1 it came back with a fury. Seeing that happen really makes the long term investing strategy feel right. Hard to market time with a bear market false […] The post Downturn? What Downturn? Q1 – 2019 Net Worth Update appeared first on Apathy Ends ..read more

Classic debate. Should you change companies frequently to make more money or stick it out with one employer for a long time to cash in. I have wanted to venture down this road for a long time but I am one of those rare millennials that haven’t switched employers yet (approaching 8 years). Thankfully, my […] The post Two Paths to Doubling Your Income appeared first on Apathy Ends ..read more

My current investing philosophy is pretty simple, like many others in the Financial Independence community I stick to low-cost index funds (not just VTSAX, that is too boring) and am in it for the long haul. Based on our net worth progression and the fact that I run a finance blog you might think we […] The post Common Investing Mistakes that BURN Money appeared first on Apathy Ends ..read more

The very thought of maxing out my 401k was laughable about 6 years ago when I first heard people actually did it. I Thought it was limited to doctors, lawyers, or corporate directors and above. I am none of those things. I actually decided to stay out of the management track and wouldn’t last a […] The post The Steps I took to Max Out My 401k appeared first on Apathy Ends ..read more

In the personal finance and financial independence space, we talk a lot about risk. Risk of a market crash. Risk of another 2008 type recession that cuts portfolios by 50%. The sequence of returns risk that can kill the 4% rule. We even have some quotes on deck from the investing greats on stomaching the […] The post Ignore Market Bumps, Protect your C.F, E.F and D.J. appeared first on Apathy Ends ..read more

I haven’t been shy about stating one of the main drivers for our pursuit of Financial Independence is my attitude towards the corporate grind. My issues aren’t personal, I just don’t like when other people have control over my time and decisions. No biggie. I get a little control-freaky over those two things. While I […] The post Why we are doubling down on the 9 to 5 appeared first on Apathy Ends ..read more

Move over Bitcoin, MLMs, and online surveys you can take from home. I have found a way easier way to pocket some extra cash every year that takes up far less time, is way less risky and doesn’t require you to get your friends to sign up under you…So what is it? Credit Card Hacking […] The post The Easiest Money I Have Ever Made appeared first on Apathy Ends ..read more

Check-In Time! This makes 12 quarters in a row since I started publishing Net Worth updates on this site and the first where our Net Worth has dropped over the course of 3 months. Even though we knew this would happen eventually, I am mildly surprised how quick it can turn. I can see why […] The post How low did we go? Q4 – 2018 Net Worth Update appeared first on Apathy Ends ..read more