Saving More

I think the 80/20 rule applies pretty well to personal finance, that is you can get 80% of the results with the first 20% of your time invest. If your like me then that sounds like a challenge! The following articles and strategies are optimizations  (some may call micro-optimizations) ordered by effectivness that will get you some of that final 20%.

Reduce Index fund fees by 40%

Reduce fees on index funds
“All-in-one” index funds (AIO) have become extremely popular recently as theymake it dead simple to have a globally diversified portfolio that matches yourneeds for an affordable price. But for those interested in working a little bityou can save thousands or even tens of thousands of dollars in …

Get your tax refund early

Get your tax refund early
Getting a big tax refund means you paid too much money to the government, thesefunds could have been in your investment account growing but weren’t. Bigrefunds can cost you 10′s of thousands in the long run but thankfully there is asimple way you can begin getting your tax refund a year early by …

Reduce opportunity cost of an emergency fund

How to manage an emergency fund
An emergency fund is an amount of money that you have immediately available for large unexpected costs and/or unexpected periods of reduced income. Many folksconsider emergency cash a vital piece of anybodies portfolio and while that maybe true there is also a cost to consider! > For a free $20 …