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JP Livingston

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The Money Habit
Early Retirement
Early Retirement, Investing
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Net worth:
New York, New York, United States
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Latest Blog Posts

Reading Time: 6 Min   The hubs and I are maybe 70% through our first home buying process, and it has been quite different than I expected. We found a beautiful place in the Downtown Jersey City/Hoboken area, just over the bridge and one subway station away from Manhattan. It has the exciting advantage of The post Adventures in Home Buying – What I Wish I’d Known appeared first on The ...
Posted: May 25 2017 @ 6:40 AM
Reading Time: 2 Min I do almost all my shopping online, and I recently discovered a cool tool that’s putting more dollars in my pocket, which I thought I’d share with you. It’s called Ebates, also known as “Here, have some free money.” Free money, you say? Yeah, I was skeptical, too. I first heard The post Ebates: Here, Have Some Free Money appeared first on The Money Habit. ...
Posted: May 23 2017 @ 10:38 AM
Reading Time: 3 Min   The problem with lifestyle inflation is that it’s hard to see, even when you’re looking for it. The Lifestyle Inflation series gives us the chance to examine items we take for granted. Our first post was on home size; today, we’ll cover food portions.   I ordered in today as The post Lifestyle Inflation: Food and Portion Sizes appeared first on The Money Habit. ...
Posted: May 18 2017 @ 6:54 AM
Reading Time: 7 Min   I have been retired for over a year now. I absolutely love retirement – indeed, I’ve never been happier, and I often say that I’m living a version of my dream life. Nothing is perfect, though, and I thought I’d tell you about the dark side of early retirement. Prepare The post The Dark Side of Early Retirement appeared first on The Money Habit. ...
Posted: May 16 2017 @ 9:38 AM
Reading Time: 4 Min   This is a companion post to a previous article entitled Why Normal People Need Prenups.   If you’re convinced a prenup is an idea worth exploring, your next step is figuring out whether you want to hire a lawyer or use template.   Templates Googling “(State) prenup” yielded a number The post How To Write a Prenup – Templates and Lawyers appeared first on The Money ...
Posted: May 11 2017 @ 6:24 AM
Reading Time: 4 Min   I’ve been doing a number of interviews lately, and when I talk about my path to early retirement, I almost always get some sort of comment about my “unparalleled focus and discipline.” Focus I’ll take. But disciplined?   A lemming with Alzheimer’s probably has more discipline than I do.   The post Discipline is Overrated: A Systems Approach to Early Financial Freedom appeared first on The ...
Posted: May 09 2017 @ 6:36 AM
Reading Time: 8 Min   You are probably reading this with your hand covering the title, because prenups are totally that kind of subject. “Prenup” falls into the 2nd circle of dirty words, something that splashes its way across US Magazine which you can’t utter in polite company. However, I’m convinced that prenups, or premarital agreements The post Why Normal People Need Prenups appeared first on The Money Habit. ...
Posted: May 04 2017 @ 6:57 AM
Reading Time: 5 Min   There are a lot of retirement calculators out there, most of them not very good. When folks ask me for a retirement calculator recommendation, I try and balance ease of use with flexibility. You want to be able to run the most customized scenarios but without having to read a The post My Two Favorite Retirement Calculators appeared first on The Money Habit. ...
Posted: May 02 2017 @ 6:48 AM
Reading Time: 8 Min   The great thing about being an adult is that you get to do whatever you want with your money. Blow it all on champagne and cars if you like, or save it for a rainy day. No big deal. Except it is a big deal if you’re planning to live The post How To Get Your Partner On Board With Financial Change appeared first on The ...
Posted: Apr 27 2017 @ 6:59 AM
Reading Time: 14 Min   I’m a big believer that everyone should evaluate their house as an investment. How can you make a several hundred thousand dollar purchase without at least trying to figure out what the payoff will look like? What follows is my take on how to tackle the complex investment analysis of The post How To Evaluate Your Home As An Investment – One Spreadsheet, Five Factors appeared ...
Posted: Apr 25 2017 @ 9:49 AM


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