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Half Life Theory

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Half Life Theory
Early Retirement
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Latest Blog Posts

In today’s post 2008 recession, life for most of us equates to drowning in debt. Many American’s are living paycheck to paycheck, and prospects for a brighter future seem bleak. In this post, I will give you simple steps to jumping ahead of the pack in these trying times. I will show you how to […] The post How to Pay Off Debt On a Low Income appeared first on Half ...
Posted: Aug 19 2019 @ 10:00 AM
  The other day I heard It takes $1.8 Million to Retire in America today, according to a trusted financial expert… Fuck! Yesterday, I could barely afford to eat 3 meals, how in the world am I supposed to “save” two million dollars? It’s all smoking mirrors. They give us the crumbs off the table […] The post Why Early Retirement is Impossible for Most of Us appeared first on Half ...
Posted: Jul 21 2019 @ 10:00 AM
  I know what you’re thinking…. Well, first I have to land a six-figure job TJ! I know, but understand, regardless of where you are, this post is still for you. Not just because I believe anyone can do this. Because it’s true! Last week, I was doing my typical weekend perusing of personal finance […] The post How to Quit Your Six Figure Job and Live the Life of Your ...
Posted: May 28 2019 @ 10:30 AM
  “Maybe if you actually did your job, this wouldn’t have happened in the first place”, she hissed with a condescending tone… It had been a long day, and in the midst of rumored layoffs, many employees were at their wit’s end. Shelly was not one to hold back opinions, she had developed a reputation […] The post Everything You Ever Wanted appeared first on Half Life Theory. ...
Posted: Apr 22 2019 @ 11:22 AM
    It’s just after 6pm on Sunday evening, the weekend is winding down. The sun is starting to set beneath the clouds blanketing the city. Where did the time go. My to do list is still a quarter mile long, and there not nearly enough hours left in the day to complete my unfinished […] The post Social Justice and Personal Finance Pt. 2: I Don’t See Color appeared first ...
Posted: Feb 27 2019 @ 10:00 AM
  My head hurts, literally, it’s like I can feel every fold in my brain searing with pain. What have I done? I fell for the trap once again. I promised myself, never, never again will I participate in these online discussions, pissing contests, but I slipped up once more. I’m always talking about self-discipline, […] The post Social Justice and the Personal Finance Community appeared first on Half Life Theory. ...
Posted: Feb 23 2019 @ 4:30 PM
    This is something I’ve wanted to touch on for a while, and I’ve probably alluded to many concerns I’ve had with FIRE and the FI community as a whole. We’ve talked about the art of over sacrificing, and the shameless over-popularization of this extremist deficit lifestyle, or living on the fringe of abject […] The post Why FIRE Could be Setting You Up for Failure appeared first on Half ...
Posted: Feb 21 2019 @ 9:00 AM
I always thought when I grew up I’d be successful. I always knew life would be easy for me… it just had to be. I was going to be rich! I was going to have enough money to not only take care of my family but more than enough to make others jealous. Fat cars and beautiful mansions. […] The post Half Dug Holes and Broken Dreams appeared first on Half Life Theory. ...
Posted: Feb 17 2019 @ 10:00 AM
  There’s 7:43 minutes left in the 4th quarter. The game has been pretty boring, and neither team has managed to score a touchdown. With the last ounce of magic still tucked under his sleeve, Tom Brady is finally managing to string along a decent drive, with a handful of amazing throws, with equal terrific […] The post How to Make Good Habits Automatic appeared first on Half Life Theory. ...
Posted: Feb 14 2019 @ 10:00 AM
I have no idea when I will publish this article, but I am sitting here in bed, 6:48 AM on a Monday morning, which I must admit is pretty atypical for me. On a normal Monday morning, I should be dashing out the door at this moment, backpack in hand, ready to tackle the mean […] The post Since We’re Talking Independence appeared first on Half Life Theory. ...
Posted: Jan 19 2019 @ 8:00 AM


"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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