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Mr. & Mrs. Frugal Hacker

Blog Info

Frugal Hackers
Frugality in San Francisco by hacking the system
Start Year:

Blogger Bio

Net worth:
San Francisco, California, United States
Life stage:
DINK (Dual Income, No Kids)
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Latest Blog Posts

The other day, we received an interesting email from a woman who we’ll call Zoe (not her real name). She had stumbled upon the Frugal Hackers' blog after reading Minafi's interactive retirement planner. She had some questions pertaining to a few common dilemmas faced by many people trying to retire early. We thought our answers to those questions could be useful generally to anyone trying to retire early, so we ...
Posted: Nov 16 2017 @ 12:30 PM
On October 7th, we reached a major milestone for the Frugal Hackers family. We managed to save & invest $500k (or half a million) US dollars over the last 7 years of working. And both Mrs. Frugal Hacker and I are under 30. Well, technically I just turned 30 a few months back, but Mrs. FH is still 27. This puts us exactly at half our goal of a million ...
Posted: Nov 12 2017 @ 12:30 PM
Posted: Nov 08 2017 @ 12:30 PM
Finance vs. frugality, what's the difference? Sounds like the same thing, doesn't it? In a previous post, we talked about Continuously Optimizing The 4 F's Of Life: Food, Fitness, Finances & Frugality. The 4 F's suggest investing in your finances and then frugality right after you've taken a good look at your food (i.e. diet) and fitness. That post confused a few people. What exactly is the difference between finance ...
Posted: Nov 04 2017 @ 12:30 PM
Banff National Park, Lake Louise, Lake Moraine, and Jasper National Park are premier travel destinations in the Canadian Rockies. From magical blue lakes to grizzly/black bear sightings from the comfort and safety of your car, there's something here for everyone who loves the great outdoors. Unfortunately, because of how popular these destinations are, hotels get booked out months in advance by large tour companies, and prices are ridiculously high during the ...
Posted: Oct 30 2017 @ 12:30 PM
In March 2016, I got it in my head that we needed to purchase a home in San Francisco. We were spending roughly $45k in rent per year, and I knew that we were leaving money on the table by not owning property in SF. I talked to coworkers about their home buying experiences, did some reading online and attended open houses on weekends. One of the first steps I took was ...
Posted: Oct 26 2017 @ 12:00 PM
Do you know the biggest savings mistake most people make? It's that they save only what they think is a reasonable savings percentage, say 10-15% of their paycheck, and then proceeding to spend the entirety of the remaining balance every month. Seems like a common saving/spending model, right? Why is this a problem in the long run? Let me explain. ...
Posted: Oct 22 2017 @ 12:00 PM
One of the core principles I've been religiously following for the last 12 years is the idea of continuous optimization. It started pretty innocuously, you know, young teenage kid experimenting with self-improvement here and there. I even read a few self-development books. It was going somewhat okay until I started seeing the results for myself one day, maybe a year or two in after I started down this path. This quickly ...
Posted: Oct 18 2017 @ 12:30 PM
The blogosphere is abound with early retirees that have retired in their 30s and 40s. Here's a sampling of blogs I follow or have read in the last year or so comprised of early retirees: Mr. Money Mustache, who retired when he was 31 JL Collins from New Hampshire Mad Fientist, also retired in his 30s Jeremy from Go Curry Cracker, who also retired in his 30s (or early 40s?) and now travels the ...
Posted: Oct 14 2017 @ 12:30 PM
We ask ourselves this question: Can money really buy happiness? If so, how much money do we need to have to be happy? For us that number is $1 million, which we hope to attain in just another 3-4 years, before we turn 35 and 32 respectively. Beyond that, more money might open up a few non-essential options and doors for us, but would probably not increase our happiness unless ...
Posted: Oct 10 2017 @ 12:30 PM


"This is one of the best, most informative personal finance web sites I've ever seen"

-- Daffy Duck, DaffyIsSoTaffy.com

"This guy clearly knows his shit; with every post, I feel like he's got my back as one of those "savers", and his web site is pretty damn cool, too"

-- Scuba Steve, MyScubaGearIsSoWet.com

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